Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,892Cash toward the purchase price.
Closing costs + prepaids$8,042Not just lender fees.
Before credits & paid funds$52,934The complete starting cash picture.
Estimated remaining funds due at closing
$52,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,892.33
Your down payment$44,892.33
Closing costs + prepaids$8,042.03
Total buyer cash needed$52,934.36
Remaining funds due$52,934.36
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%)$1,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$525.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$535.00
Prepaid interest, first (30 days)$263.49
Fees + prepaids$8,042.03
Your down payment is the seller’s equity. You take over the $105,108 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $52,934.36 is due at closing. Uses and sources reconcile at $158,042.03 each. Not a Closing Disclosure.