Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,491Cash toward the purchase price.
Closing costs + prepaids$7,520Not just lender fees.
Before credits & paid funds$60,011The complete starting cash picture.
Estimated remaining funds due at closing
$60,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,490.69
Your down payment$52,490.69
Closing costs + prepaids$7,520.41
Total buyer cash needed$60,011.10
Remaining funds due$60,011.10
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%)$1,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$487.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$97.50
Initial HOA (3 months)$12.51
Prepaid interest, first (27 days)$204.85
Fees + prepaids$7,520.41
Your down payment is the seller’s equity. You take over the $97,509 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $60,011.10 is due at closing. Uses and sources reconcile at $157,520.41 each. Not a Closing Disclosure.