Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$54,932Cash toward the purchase price.
Closing costs + prepaids$8,351Not just lender fees.
Before credits & paid funds$63,283The complete starting cash picture.
Estimated remaining funds due at closing
$63,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,932.24
Your down payment$54,932.24
Closing costs + prepaids$8,350.50
Total buyer cash needed$63,282.74
Remaining funds due$63,282.74
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%)$675.34
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 (21 days)$420.41
Fees + prepaids$8,350.50
Your down payment is the seller’s equity. You take over the $135,068 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $63,282.74 is due at closing. Uses and sources reconcile at $198,350.50 each. Not a Closing Disclosure.