Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,790Cash toward the purchase price.
Closing costs + prepaids$9,145Not just lender fees.
Before credits & paid funds$12,935The complete starting cash picture.
Estimated remaining funds due at closing
$12,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,789.53
Your down payment$3,789.53
Closing costs + prepaids$9,145.03
Total buyer cash needed$12,934.57
Remaining funds due$12,934.57
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%)$1,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$706.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$134.25
Initial HOA (3 months)$999.00
Prepaid interest, first (26 days)$637.73
Fees + prepaids$9,145.03
Your down payment is the seller’s equity. You take over the $141,210 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $12,934.57 is due at closing. Uses and sources reconcile at $154,145.03 each. Not a Closing Disclosure.