Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,507Cash toward the purchase price.
Closing costs + prepaids$7,578Not just lender fees.
Before credits & paid funds$27,084The complete starting cash picture.
Estimated remaining funds due at closing
$27,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,506.80
Your down payment$19,506.80
Closing costs + prepaids$7,577.62
Total buyer cash needed$27,084.43
Remaining funds due$27,084.43
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%)$1,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$527.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.50
Prepaid interest, first (30 days)$269.66
Fees + prepaids$7,577.62
Your down payment is the seller’s equity. You take over the $105,493 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $27,084.43 is due at closing. Uses and sources reconcile at $132,577.62 each. Not a Closing Disclosure.