Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$81,656Cash toward the purchase price.
Closing costs + prepaids$7,451Not just lender fees.
Before credits & paid funds$89,107The complete starting cash picture.
Estimated remaining funds due at closing
$89,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,655.86
Your down payment$81,655.86
Closing costs + prepaids$7,451.31
Total buyer cash needed$89,107.17
Remaining funds due$89,107.17
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%)$1,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$291.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.00
Prepaid interest, first (26 days)$191.59
Fees + prepaids$7,451.31
Your down payment is the seller’s equity. You take over the $58,344 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $89,107.17 is due at closing. Uses and sources reconcile at $147,451.31 each. Not a Closing Disclosure.