Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$25,396Cash toward the purchase price.
Closing costs + prepaids$7,340Not just lender fees.
Before credits & paid funds$32,736The complete starting cash picture.
Estimated remaining funds due at closing
$32,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,395.67
Your down payment$25,395.67
Closing costs + prepaids$7,339.90
Total buyer cash needed$32,735.56
Remaining funds due$32,735.56
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%)$1,179.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$463.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$221.25
Prepaid interest, first (15 days)$257.64
Fees + prepaids$7,339.90
Your down payment is the seller’s equity. You take over the $92,603 balance, so the rest of the $117,999 price is paid at closing. A second mortgage can cover part of it. $32,735.56 is due at closing. Uses and sources reconcile at $125,338.90 each. Not a Closing Disclosure.