Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$106,525Cash toward the purchase price.
Closing costs + prepaids$7,491Not just lender fees.
Before credits & paid funds$114,016The complete starting cash picture.
Estimated remaining funds due at closing
$114,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,525.35
Your down payment$106,525.35
Closing costs + prepaids$7,490.71
Total buyer cash needed$114,016.07
Remaining funds due$114,016.07
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%)$1,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$307.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$61.00
Prepaid interest, first (30 days)$224.34
Fees + prepaids$7,490.71
Your down payment is the seller’s equity. You take over the $61,475 balance, so the rest of the $168,000 price is paid at closing. A second mortgage can cover part of it. $114,016.07 is due at closing. Uses and sources reconcile at $175,490.71 each. Not a Closing Disclosure.