Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$123,524Cash toward the purchase price.
Closing costs + prepaids$7,835Not just lender fees.
Before credits & paid funds$131,359The complete starting cash picture.
Estimated remaining funds due at closing
$131,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,523.88
Your down payment$123,523.88
Closing costs + prepaids$7,835.48
Total buyer cash needed$131,359.36
Remaining funds due$131,359.36
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$307.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.00
Prepaid interest, first (17 days)$113.10
Fees + prepaids$7,835.48
Your down payment is the seller’s equity. You take over the $61,476 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $131,359.36 is due at closing. Uses and sources reconcile at $192,835.48 each. Not a Closing Disclosure.