Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,142Cash toward the purchase price.
Closing costs + prepaids$9,076Not just lender fees.
Before credits & paid funds$52,218The complete starting cash picture.
Estimated remaining funds due at closing
$52,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,141.86
Your down payment$43,141.86
Closing costs + prepaids$9,076.46
Total buyer cash needed$52,218.32
Remaining funds due$52,218.32
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%)$2,040.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$804.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Prepaid interest, first (26 days)$504.17
Fees + prepaids$9,076.46
Your down payment is the seller’s equity. You take over the $160,858 balance, so the rest of the $204,000 price is paid at closing. A second mortgage can cover part of it. $52,218.32 is due at closing. Uses and sources reconcile at $213,076.46 each. Not a Closing Disclosure.