Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$60,931Cash toward the purchase price.
Closing costs + prepaids$7,222Not just lender fees.
Before credits & paid funds$68,154The complete starting cash picture.
Estimated remaining funds due at closing
$68,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,931.42
Your down payment$60,931.42
Closing costs + prepaids$7,222.31
Total buyer cash needed$68,153.74
Remaining funds due$68,153.74
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%)$1,310.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$350.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.50
Prepaid interest, first (2 days)$16.47
Fees + prepaids$7,222.31
Your down payment is the seller’s equity. You take over the $70,069 balance, so the rest of the $131,000 price is paid at closing. A second mortgage can cover part of it. $68,153.74 is due at closing. Uses and sources reconcile at $138,222.31 each. Not a Closing Disclosure.