Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$51,188Cash toward the purchase price.
Closing costs + prepaids$8,912Not just lender fees.
Before credits & paid funds$60,100The complete starting cash picture.
Estimated remaining funds due at closing
$60,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,188.04
Your down payment$51,188.04
Closing costs + prepaids$8,911.65
Total buyer cash needed$60,099.69
Remaining funds due$60,099.69
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%)$1,955.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$721.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.75
Prepaid interest, first (23 days)$528.34
Fees + prepaids$8,911.65
Your down payment is the seller’s equity. You take over the $144,312 balance, so the rest of the $195,500 price is paid at closing. A second mortgage can cover part of it. $60,099.69 is due at closing. Uses and sources reconcile at $204,411.65 each. Not a Closing Disclosure.