Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$98,625Cash toward the purchase price.
Closing costs + prepaids$7,291Not just lender fees.
Before credits & paid funds$105,915The complete starting cash picture.
Estimated remaining funds due at closing
$105,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,624.57
Your down payment$98,624.57
Closing costs + prepaids$7,290.61
Total buyer cash needed$105,915.17
Remaining funds due$105,915.17
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%)$1,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$256.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$186.75
Prepaid interest, first (27 days)$130.48
Fees + prepaids$7,290.61
Your down payment is the seller’s equity. You take over the $51,275 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $105,915.17 is due at closing. Uses and sources reconcile at $157,190.61 each. Not a Closing Disclosure.