Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$23,740Cash toward the purchase price.
Closing costs + prepaids$8,729Not just lender fees.
Before credits & paid funds$32,468The complete starting cash picture.
Estimated remaining funds due at closing
$32,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,739.59
Your down payment$23,739.59
Closing costs + prepaids$8,728.82
Total buyer cash needed$32,468.41
Remaining funds due$32,468.41
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%)$1,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$826.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$236.25
Prepaid interest, first (18 days)$558.26
Fees + prepaids$8,728.82
Your down payment is the seller’s equity. You take over the $165,260 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $32,468.41 is due at closing. Uses and sources reconcile at $197,728.82 each. Not a Closing Disclosure.