Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,990Cash toward the purchase price.
Closing costs + prepaids$6,845Not just lender fees.
Before credits & paid funds$76,834The complete starting cash picture.
Estimated remaining funds due at closing
$76,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,989.63
Your down payment$69,989.63
Closing costs + prepaids$6,844.59
Total buyer cash needed$76,834.22
Remaining funds due$76,834.22
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%)$1,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$249.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (31 days)$178.04
Fees + prepaids$6,844.59
Your down payment is the seller’s equity. You take over the $49,910 balance, so the rest of the $119,900 price is paid at closing. A second mortgage can cover part of it. $76,834.22 is due at closing. Uses and sources reconcile at $126,744.59 each. Not a Closing Disclosure.