Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,488Cash toward the purchase price.
Closing costs + prepaids$9,512Not just lender fees.
Before credits & paid funds$56,000The complete starting cash picture.
Estimated remaining funds due at closing
$56,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,488.16
Your down payment$46,488.16
Closing costs + prepaids$9,511.62
Total buyer cash needed$55,999.78
Remaining funds due$55,999.78
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%)$1,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$742.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$818.75
Prepaid interest, first (29 days)$782.31
Fees + prepaids$9,511.62
Your down payment is the seller’s equity. You take over the $148,512 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $55,999.78 is due at closing. Uses and sources reconcile at $204,511.62 each. Not a Closing Disclosure.