Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,228Cash toward the purchase price.
Closing costs + prepaids$8,002Not just lender fees.
Before credits & paid funds$72,230The complete starting cash picture.
Estimated remaining funds due at closing
$72,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,228.47
Your down payment$64,228.47
Closing costs + prepaids$8,001.51
Total buyer cash needed$72,229.98
Remaining funds due$72,229.98
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%)$1,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$453.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.00
Prepaid interest, first (27 days)$278.66
Fees + prepaids$8,001.51
Your down payment is the seller’s equity. You take over the $90,772 balance, so the rest of the $155,000 price is paid at closing. A second mortgage can cover part of it. $72,229.98 is due at closing. Uses and sources reconcile at $163,001.51 each. Not a Closing Disclosure.