Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,798Cash toward the purchase price.
Closing costs + prepaids$8,428Not just lender fees.
Before credits & paid funds$42,226The complete starting cash picture.
Estimated remaining funds due at closing
$42,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,798.13
Your down payment$33,798.13
Closing costs + prepaids$8,427.57
Total buyer cash needed$42,225.71
Remaining funds due$42,225.71
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%)$1,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$656.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.00
Prepaid interest, first (23 days)$431.56
Fees + prepaids$8,427.57
Your down payment is the seller’s equity. You take over the $131,202 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $42,225.71 is due at closing. Uses and sources reconcile at $173,427.57 each. Not a Closing Disclosure.