Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$48,229Cash toward the purchase price.
Closing costs + prepaids$7,490Not just lender fees.
Before credits & paid funds$55,718The complete starting cash picture.
Estimated remaining funds due at closing
$55,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,228.82
Your down payment$48,228.82
Closing costs + prepaids$7,489.51
Total buyer cash needed$55,718.34
Remaining funds due$55,718.34
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%)$1,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$456.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$174.50
Prepaid interest, first (16 days)$245.66
Fees + prepaids$7,489.51
Your down payment is the seller’s equity. You take over the $91,271 balance, so the rest of the $139,500 price is paid at closing. A second mortgage can cover part of it. $55,718.34 is due at closing. Uses and sources reconcile at $146,989.51 each. Not a Closing Disclosure.