Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$80,249Cash toward the purchase price.
Closing costs + prepaids$7,313Not just lender fees.
Before credits & paid funds$87,563The complete starting cash picture.
Estimated remaining funds due at closing
$87,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,249.25
Your down payment$80,249.25
Closing costs + prepaids$7,313.34
Total buyer cash needed$87,562.60
Remaining funds due$87,562.60
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%)$1,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$278.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$255.75
Prepaid interest, first (27 days)$200.84
Fees + prepaids$7,313.34
Your down payment is the seller’s equity. You take over the $55,751 balance, so the rest of the $136,000 price is paid at closing. A second mortgage can cover part of it. $87,562.60 is due at closing. Uses and sources reconcile at $143,313.34 each. Not a Closing Disclosure.