Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,427Cash toward the purchase price.
Closing costs + prepaids$7,206Not just lender fees.
Before credits & paid funds$59,633The complete starting cash picture.
Estimated remaining funds due at closing
$59,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,426.84
Your down payment$52,426.84
Closing costs + prepaids$7,206.00
Total buyer cash needed$59,632.85
Remaining funds due$59,632.85
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%)$1,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$237.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$591.75
Prepaid interest, first (28 days)$158.39
Fees + prepaids$7,206.00
Your down payment is the seller’s equity. You take over the $47,573 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $59,632.85 is due at closing. Uses and sources reconcile at $107,206.00 each. Not a Closing Disclosure.