Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,628Cash toward the purchase price.
Closing costs + prepaids$7,851Not just lender fees.
Before credits & paid funds$54,479The complete starting cash picture.
Estimated remaining funds due at closing
$54,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,627.67
Your down payment$46,627.67
Closing costs + prepaids$7,851.48
Total buyer cash needed$54,479.15
Remaining funds due$54,479.15
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%)$1,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$716.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$6.50
Prepaid interest, first (1 days)$11.62
Fees + prepaids$7,851.48
Your down payment is the seller’s equity. You take over the $143,272 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $54,479.15 is due at closing. Uses and sources reconcile at $197,751.48 each. Not a Closing Disclosure.