Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$37,127Cash toward the purchase price.
Closing costs + prepaids$7,521Not just lender fees.
Before credits & paid funds$44,648The complete starting cash picture.
Estimated remaining funds due at closing
$44,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,126.83
Your down payment$37,126.83
Closing costs + prepaids$7,520.88
Total buyer cash needed$44,647.71
Remaining funds due$44,647.71
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%)$1,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$438.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$429.25
Prepaid interest, first (25 days)$185.77
Fees + prepaids$7,520.88
Your down payment is the seller’s equity. You take over the $87,773 balance, so the rest of the $124,900 price is paid at closing. A second mortgage can cover part of it. $44,647.71 is due at closing. Uses and sources reconcile at $132,420.88 each. Not a Closing Disclosure.