Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$73,974Cash toward the purchase price.
Closing costs + prepaids$7,970Not just lender fees.
Before credits & paid funds$81,944The complete starting cash picture.
Estimated remaining funds due at closing
$81,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,974.11
Your down payment$73,974.11
Closing costs + prepaids$7,969.98
Total buyer cash needed$81,944.09
Remaining funds due$81,944.09
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%)$1,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$355.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$88.50
Initial HOA (3 months)$720.00
Prepaid interest, first (18 days)$138.35
Fees + prepaids$7,969.98
Your down payment is the seller’s equity. You take over the $71,026 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $81,944.09 is due at closing. Uses and sources reconcile at $152,969.98 each. Not a Closing Disclosure.