Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$54,732Cash toward the purchase price.
Closing costs + prepaids$7,951Not just lender fees.
Before credits & paid funds$62,683The complete starting cash picture.
Estimated remaining funds due at closing
$62,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,732.35
Your down payment$54,732.35
Closing costs + prepaids$7,951.14
Total buyer cash needed$62,683.49
Remaining funds due$62,683.49
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%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$676.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$136.75
Prepaid interest, first (1 days)$20.05
Fees + prepaids$7,951.14
Your down payment is the seller’s equity. You take over the $135,268 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $62,683.49 is due at closing. Uses and sources reconcile at $197,951.14 each. Not a Closing Disclosure.