Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,293Cash toward the purchase price.
Closing costs + prepaids$8,806Not just lender fees.
Before credits & paid funds$46,099The complete starting cash picture.
Estimated remaining funds due at closing
$46,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,293.11
Your down payment$37,293.11
Closing costs + prepaids$8,805.64
Total buyer cash needed$46,098.74
Remaining funds due$46,098.74
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$738.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.50
Prepaid interest, first (26 days)$536.60
Fees + prepaids$8,805.64
Your down payment is the seller’s equity. You take over the $147,707 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $46,098.74 is due at closing. Uses and sources reconcile at $193,805.64 each. Not a Closing Disclosure.