Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$46,483Cash toward the purchase price.
Closing costs + prepaids$9,170Not just lender fees.
Before credits & paid funds$55,653The complete starting cash picture.
Estimated remaining funds due at closing
$55,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,483.19
Your down payment$46,483.19
Closing costs + prepaids$9,169.62
Total buyer cash needed$55,652.81
Remaining funds due$55,652.81
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%)$1,979.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$757.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.75
Prepaid interest, first (25 days)$720.79
Fees + prepaids$9,169.62
Your down payment is the seller’s equity. You take over the $151,417 balance, so the rest of the $197,900 price is paid at closing. A second mortgage can cover part of it. $55,652.81 is due at closing. Uses and sources reconcile at $207,069.62 each. Not a Closing Disclosure.