Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,247Cash toward the purchase price.
Closing costs + prepaids$8,925Not just lender fees.
Before credits & paid funds$39,172The complete starting cash picture.
Estimated remaining funds due at closing
$39,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,246.57
Your down payment$30,246.57
Closing costs + prepaids$8,925.37
Total buyer cash needed$39,171.94
Remaining funds due$39,171.94
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%)$1,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$773.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.25
Prepaid interest, first (28 days)$622.85
Fees + prepaids$8,925.37
Your down payment is the seller’s equity. You take over the $154,653 balance, so the rest of the $184,900 price is paid at closing. A second mortgage can cover part of it. $39,171.94 is due at closing. Uses and sources reconcile at $193,825.37 each. Not a Closing Disclosure.