Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$108,098Cash toward the purchase price.
Closing costs + prepaids$7,179Not just lender fees.
Before credits & paid funds$115,277The complete starting cash picture.
Estimated remaining funds due at closing
$115,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,097.84
Your down payment$108,097.84
Closing costs + prepaids$7,179.11
Total buyer cash needed$115,276.94
Remaining funds due$115,276.94
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%)$1,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$209.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$104.50
Prepaid interest, first (25 days)$148.60
Fees + prepaids$7,179.11
Your down payment is the seller’s equity. You take over the $41,802 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $115,276.94 is due at closing. Uses and sources reconcile at $157,079.11 each. Not a Closing Disclosure.