Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,152Cash toward the purchase price.
Closing costs + prepaids$7,867Not just lender fees.
Before credits & paid funds$30,019The complete starting cash picture.
Estimated remaining funds due at closing
$30,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,152.31
Your down payment$22,152.31
Closing costs + prepaids$7,866.82
Total buyer cash needed$30,019.13
Remaining funds due$30,019.13
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%)$1,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$614.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.75
Prepaid interest, first (24 days)$231.83
Fees + prepaids$7,866.82
Your down payment is the seller’s equity. You take over the $122,848 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $30,019.13 is due at closing. Uses and sources reconcile at $152,866.82 each. Not a Closing Disclosure.