Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$49,690Cash toward the purchase price.
Closing costs + prepaids$7,535Not just lender fees.
Before credits & paid funds$57,225The complete starting cash picture.
Estimated remaining funds due at closing
$57,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,689.55
Your down payment$49,689.55
Closing costs + prepaids$7,535.15
Total buyer cash needed$57,224.70
Remaining funds due$57,224.70
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%)$1,425.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$464.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$178.25
Prepaid interest, first (17 days)$249.85
Fees + prepaids$7,535.15
Your down payment is the seller’s equity. You take over the $92,810 balance, so the rest of the $142,500 price is paid at closing. A second mortgage can cover part of it. $57,224.70 is due at closing. Uses and sources reconcile at $150,035.15 each. Not a Closing Disclosure.