Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,520Cash toward the purchase price.
Closing costs + prepaids$8,649Not just lender fees.
Before credits & paid funds$61,169The complete starting cash picture.
Estimated remaining funds due at closing
$61,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,520.13
Your down payment$52,520.13
Closing costs + prepaids$8,648.79
Total buyer cash needed$61,168.92
Remaining funds due$61,168.92
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$737.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.50
Prepaid interest, first (24 days)$387.89
Fees + prepaids$8,648.79
Your down payment is the seller’s equity. You take over the $147,480 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $61,168.92 is due at closing. Uses and sources reconcile at $208,648.79 each. Not a Closing Disclosure.