Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,521Cash toward the purchase price.
Closing costs + prepaids$6,874Not just lender fees.
Before credits & paid funds$79,395The complete starting cash picture.
Estimated remaining funds due at closing
$79,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,521.08
Your down payment$72,521.08
Closing costs + prepaids$6,873.75
Total buyer cash needed$79,394.83
Remaining funds due$79,394.83
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%)$1,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$137.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.00
Prepaid interest, first (30 days)$153.35
Fees + prepaids$6,873.75
Your down payment is the seller’s equity. You take over the $27,479 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $79,394.83 is due at closing. Uses and sources reconcile at $106,873.75 each. Not a Closing Disclosure.