Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$77,040Cash toward the purchase price.
Closing costs + prepaids$7,482Not just lender fees.
Before credits & paid funds$84,522The complete starting cash picture.
Estimated remaining funds due at closing
$84,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,040.21
Your down payment$77,040.21
Closing costs + prepaids$7,482.12
Total buyer cash needed$84,522.32
Remaining funds due$84,522.32
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%)$1,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$304.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.00
Prepaid interest, first (23 days)$234.32
Fees + prepaids$7,482.12
Your down payment is the seller’s equity. You take over the $60,960 balance, so the rest of the $138,000 price is paid at closing. A second mortgage can cover part of it. $84,522.32 is due at closing. Uses and sources reconcile at $145,482.12 each. Not a Closing Disclosure.