Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,103Cash toward the purchase price.
Closing costs + prepaids$8,779Not just lender fees.
Before credits & paid funds$38,882The complete starting cash picture.
Estimated remaining funds due at closing
$38,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,102.51
Your down payment$30,102.51
Closing costs + prepaids$8,779.17
Total buyer cash needed$38,881.68
Remaining funds due$38,881.68
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%)$1,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$814.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$482.50
Prepaid interest, first (26 days)$334.19
Fees + prepaids$8,779.17
Your down payment is the seller’s equity. You take over the $162,897 balance, so the rest of the $193,000 price is paid at closing. A second mortgage can cover part of it. $38,881.68 is due at closing. Uses and sources reconcile at $201,779.17 each. Not a Closing Disclosure.