Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,249Cash toward the purchase price.
Closing costs + prepaids$8,421Not just lender fees.
Before credits & paid funds$47,669The complete starting cash picture.
Estimated remaining funds due at closing
$47,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,248.83
Your down payment$39,248.83
Closing costs + prepaids$8,420.59
Total buyer cash needed$47,669.43
Remaining funds due$47,669.43
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%)$1,703.80
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$655.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$656.25
Prepaid interest, first (18 days)$186.89
Fees + prepaids$8,420.59
Your down payment is the seller’s equity. You take over the $131,131 balance, so the rest of the $170,380 price is paid at closing. A second mortgage can cover part of it. $47,669.43 is due at closing. Uses and sources reconcile at $178,800.59 each. Not a Closing Disclosure.