Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$30,059Cash toward the purchase price.
Closing costs + prepaids$8,377Not just lender fees.
Before credits & paid funds$38,437The complete starting cash picture.
Estimated remaining funds due at closing
$38,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,059.19
Your down payment$30,059.19
Closing costs + prepaids$8,377.46
Total buyer cash needed$38,436.64
Remaining funds due$38,436.64
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$749.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$225.00
Prepaid interest, first (14 days)$384.75
Fees + prepaids$8,377.46
Your down payment is the seller’s equity. You take over the $149,941 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $38,436.64 is due at closing. Uses and sources reconcile at $188,377.46 each. Not a Closing Disclosure.