Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$57,005Cash toward the purchase price.
Closing costs + prepaids$8,276Not just lender fees.
Before credits & paid funds$65,281The complete starting cash picture.
Estimated remaining funds due at closing
$65,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,004.76
Your down payment$57,004.76
Closing costs + prepaids$8,276.36
Total buyer cash needed$65,281.12
Remaining funds due$65,281.12
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%)$1,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$659.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.75
Prepaid interest, first (25 days)$361.63
Fees + prepaids$8,276.36
Your down payment is the seller’s equity. You take over the $131,995 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $65,281.12 is due at closing. Uses and sources reconcile at $197,276.36 each. Not a Closing Disclosure.