Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$37,421Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$47,831The complete starting cash picture.
Estimated remaining funds due at closing
$47,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,421.27
Your down payment$37,421.27
Closing costs + prepaids$10,409.57
Total buyer cash needed$47,830.84
Remaining funds due$47,830.84
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%)$1,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$785.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.00
Initial HOA (3 months)$1,824.00
Prepaid interest, first (25 days)$371.18
Fees + prepaids$10,409.57
Your down payment is the seller’s equity. You take over the $157,079 balance, so the rest of the $194,500 price is paid at closing. A second mortgage can cover part of it. $47,830.84 is due at closing. Uses and sources reconcile at $204,909.57 each. Not a Closing Disclosure.