Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$65,348Cash toward the purchase price.
Closing costs + prepaids$6,772Not just lender fees.
Before credits & paid funds$72,120The complete starting cash picture.
Estimated remaining funds due at closing
$72,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,348.00
Your down payment$65,348.00
Closing costs + prepaids$6,772.35
Total buyer cash needed$72,120.34
Remaining funds due$72,120.34
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%)$1,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$223.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$137.50
Prepaid interest, first (17 days)$93.59
Fees + prepaids$6,772.35
Your down payment is the seller’s equity. You take over the $44,652 balance, so the rest of the $110,000 price is paid at closing. A second mortgage can cover part of it. $72,120.34 is due at closing. Uses and sources reconcile at $116,772.35 each. Not a Closing Disclosure.