Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,439Cash toward the purchase price.
Closing costs + prepaids$8,503Not just lender fees.
Before credits & paid funds$43,942The complete starting cash picture.
Estimated remaining funds due at closing
$43,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,438.76
Your down payment$35,438.76
Closing costs + prepaids$8,503.46
Total buyer cash needed$43,942.22
Remaining funds due$43,942.22
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%)$547.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.50
Initial HOA (3 months)$684.00
Prepaid interest, first (26 days)$241.15
Fees + prepaids$8,503.46
Your down payment is the seller’s equity. You take over the $109,561 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $43,942.22 is due at closing. Uses and sources reconcile at $153,503.46 each. Not a Closing Disclosure.