Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$64,734Cash toward the purchase price.
Closing costs + prepaids$9,479Not just lender fees.
Before credits & paid funds$74,213The complete starting cash picture.
Estimated remaining funds due at closing
$74,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,734.13
Your down payment$64,734.13
Closing costs + prepaids$9,479.20
Total buyer cash needed$74,213.32
Remaining funds due$74,213.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$626.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$484.50
Initial HOA (3 months)$1,197.00
Prepaid interest, first (5 days)$53.37
Fees + prepaids$9,479.20
Your down payment is the seller’s equity. You take over the $125,266 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $74,213.32 is due at closing. Uses and sources reconcile at $199,479.20 each. Not a Closing Disclosure.