Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,502Cash toward the purchase price.
Closing costs + prepaids$7,490Not just lender fees.
Before credits & paid funds$58,992The complete starting cash picture.
Estimated remaining funds due at closing
$58,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,501.68
Your down payment$51,501.68
Closing costs + prepaids$7,490.00
Total buyer cash needed$58,991.68
Remaining funds due$58,991.68
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%)$1,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$441.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$262.25
Prepaid interest, first (26 days)$168.76
Fees + prepaids$7,490.00
Your down payment is the seller’s equity. You take over the $88,398 balance, so the rest of the $139,900 price is paid at closing. A second mortgage can cover part of it. $58,991.68 is due at closing. Uses and sources reconcile at $147,390.00 each. Not a Closing Disclosure.