Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$63,862Cash toward the purchase price.
Closing costs + prepaids$8,259Not just lender fees.
Before credits & paid funds$72,121The complete starting cash picture.
Estimated remaining funds due at closing
$72,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,861.64
Your down payment$63,861.64
Closing costs + prepaids$8,259.12
Total buyer cash needed$72,120.76
Remaining funds due$72,120.76
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%)$1,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$628.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.25
Prepaid interest, first (17 days)$162.68
Fees + prepaids$8,259.12
Your down payment is the seller’s equity. You take over the $125,638 balance, so the rest of the $189,500 price is paid at closing. A second mortgage can cover part of it. $72,120.76 is due at closing. Uses and sources reconcile at $197,759.12 each. Not a Closing Disclosure.