Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,982Cash toward the purchase price.
Closing costs + prepaids$8,079Not just lender fees.
Before credits & paid funds$105,061The complete starting cash picture.
Estimated remaining funds due at closing
$105,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,981.87
Your down payment$96,981.87
Closing costs + prepaids$8,079.14
Total buyer cash needed$105,061.00
Remaining funds due$105,061.00
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%)$1,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$210.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.75
Initial HOA (3 months)$729.00
Prepaid interest, first (25 days)$179.30
Fees + prepaids$8,079.14
Your down payment is the seller’s equity. You take over the $42,018 balance, so the rest of the $139,000 price is paid at closing. A second mortgage can cover part of it. $105,061.00 is due at closing. Uses and sources reconcile at $147,079.14 each. Not a Closing Disclosure.