Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$5,141Cash toward the purchase price.
Closing costs + prepaids$7,557Not just lender fees.
Before credits & paid funds$12,698The complete starting cash picture.
Estimated remaining funds due at closing
$12,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,141.06
Your down payment$5,141.06
Closing costs + prepaids$7,557.15
Total buyer cash needed$12,698.21
Remaining funds due$12,698.21
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%)$1,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$548.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$201.00
Prepaid interest, first (28 days)$440.36
Fees + prepaids$7,557.15
Your down payment is the seller’s equity. You take over the $109,759 balance, so the rest of the $114,900 price is paid at closing. A second mortgage can cover part of it. $12,698.21 is due at closing. Uses and sources reconcile at $122,457.15 each. Not a Closing Disclosure.