Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$124,604Cash toward the purchase price.
Closing costs + prepaids$7,686Not just lender fees.
Before credits & paid funds$132,290The complete starting cash picture.
Estimated remaining funds due at closing
$132,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,603.94
Your down payment$124,603.94
Closing costs + prepaids$7,685.82
Total buyer cash needed$132,289.77
Remaining funds due$132,289.77
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%)$1,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$311.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$104.50
Prepaid interest, first (26 days)$181.34
Fees + prepaids$7,685.82
Your down payment is the seller’s equity. You take over the $62,396 balance, so the rest of the $187,000 price is paid at closing. A second mortgage can cover part of it. $132,289.77 is due at closing. Uses and sources reconcile at $194,685.82 each. Not a Closing Disclosure.