Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$47,769Cash toward the purchase price.
Closing costs + prepaids$9,096Not just lender fees.
Before credits & paid funds$56,865The complete starting cash picture.
Estimated remaining funds due at closing
$56,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,769.06
Your down payment$47,769.06
Closing costs + prepaids$9,096.00
Total buyer cash needed$56,865.07
Remaining funds due$56,865.07
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$761.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (29 days)$616.85
Fees + prepaids$9,096.00
Your down payment is the seller’s equity. You take over the $152,231 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $56,865.07 is due at closing. Uses and sources reconcile at $209,096.00 each. Not a Closing Disclosure.