Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$124,463Cash toward the purchase price.
Closing costs + prepaids$7,519Not just lender fees.
Before credits & paid funds$131,982The complete starting cash picture.
Estimated remaining funds due at closing
$131,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,463.03
Your down payment$124,463.03
Closing costs + prepaids$7,519.17
Total buyer cash needed$131,982.19
Remaining funds due$131,982.19
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%)$1,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$312.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$104.50
Prepaid interest, first (2 days)$13.98
Fees + prepaids$7,519.17
Your down payment is the seller’s equity. You take over the $62,537 balance, so the rest of the $187,000 price is paid at closing. A second mortgage can cover part of it. $131,982.19 is due at closing. Uses and sources reconcile at $194,519.17 each. Not a Closing Disclosure.