Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$125,891Cash toward the purchase price.
Closing costs + prepaids$15,856Not just lender fees.
Before credits & paid funds$141,747The complete starting cash picture.
Estimated remaining funds due at closing
$141,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,890.96
Your down payment$125,890.96
Closing costs + prepaids$15,856.36
Total buyer cash needed$141,747.32
Remaining funds due$141,747.32
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%)$5,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,105.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$894.75
Prepaid interest, first (25 days)$1,918.07
Fees + prepaids$15,856.36
Your down payment is the seller’s equity. You take over the $421,109 balance, so the rest of the $547,000 price is paid at closing. A second mortgage can cover part of it. $141,747.32 is due at closing. Uses and sources reconcile at $562,856.36 each. Not a Closing Disclosure.