Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,532Cash toward the purchase price.
Closing costs + prepaids$7,448Not just lender fees.
Before credits & paid funds$83,980The complete starting cash picture.
Estimated remaining funds due at closing
$83,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,531.55
Your down payment$76,531.55
Closing costs + prepaids$7,447.98
Total buyer cash needed$83,979.54
Remaining funds due$83,979.54
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%)$367.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$144.25
Prepaid interest, first (31 days)$218.39
Fees + prepaids$7,447.98
Your down payment is the seller’s equity. You take over the $73,468 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $83,979.54 is due at closing. Uses and sources reconcile at $157,447.98 each. Not a Closing Disclosure.