Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$31,176Cash toward the purchase price.
Closing costs + prepaids$9,266Not just lender fees.
Before credits & paid funds$40,442The complete starting cash picture.
Estimated remaining funds due at closing
$40,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,175.85
Your down payment$31,175.85
Closing costs + prepaids$9,265.89
Total buyer cash needed$40,441.74
Remaining funds due$40,441.74
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%)$1,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$643.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.00
Initial HOA (3 months)$1,161.00
Prepaid interest, first (28 days)$294.27
Fees + prepaids$9,265.89
Your down payment is the seller’s equity. You take over the $128,724 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $40,441.74 is due at closing. Uses and sources reconcile at $169,165.89 each. Not a Closing Disclosure.