Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,622Cash toward the purchase price.
Closing costs + prepaids$7,270Not just lender fees.
Before credits & paid funds$83,893The complete starting cash picture.
Estimated remaining funds due at closing
$83,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,622.38
Your down payment$76,622.38
Closing costs + prepaids$7,270.40
Total buyer cash needed$83,892.79
Remaining funds due$83,892.79
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%)$1,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$306.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.00
Prepaid interest, first (2 days)$20.52
Fees + prepaids$7,270.40
Your down payment is the seller’s equity. You take over the $61,378 balance, so the rest of the $138,000 price is paid at closing. A second mortgage can cover part of it. $83,892.79 is due at closing. Uses and sources reconcile at $145,270.40 each. Not a Closing Disclosure.