Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,980Cash toward the purchase price.
Closing costs + prepaids$7,256Not just lender fees.
Before credits & paid funds$100,236The complete starting cash picture.
Estimated remaining funds due at closing
$100,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,979.65
Your down payment$92,979.65
Closing costs + prepaids$7,256.08
Total buyer cash needed$100,235.73
Remaining funds due$100,235.73
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%)$235.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$162.75
Prepaid interest, first (28 days)$240.23
Fees + prepaids$7,256.08
Your down payment is the seller’s equity. You take over the $47,020 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $100,235.73 is due at closing. Uses and sources reconcile at $147,256.08 each. Not a Closing Disclosure.