Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,923Cash toward the purchase price.
Closing costs + prepaids$7,672Not just lender fees.
Before credits & paid funds$65,594The complete starting cash picture.
Estimated remaining funds due at closing
$65,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,922.53
Your down payment$57,922.53
Closing costs + prepaids$7,671.78
Total buyer cash needed$65,594.31
Remaining funds due$65,594.31
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%)$1,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$460.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$238.25
Prepaid interest, first (26 days)$255.14
Fees + prepaids$7,671.78
Your down payment is the seller’s equity. You take over the $92,077 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $65,594.31 is due at closing. Uses and sources reconcile at $157,671.78 each. Not a Closing Disclosure.