Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,847Cash toward the purchase price.
Closing costs + prepaids$8,383Not just lender fees.
Before credits & paid funds$39,230The complete starting cash picture.
Estimated remaining funds due at closing
$39,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,847.11
Your down payment$30,847.11
Closing costs + prepaids$8,382.58
Total buyer cash needed$39,229.69
Remaining funds due$39,229.69
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%)$1,575.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$633.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.25
Prepaid interest, first (26 days)$562.06
Fees + prepaids$8,382.58
Your down payment is the seller’s equity. You take over the $126,653 balance, so the rest of the $157,500 price is paid at closing. A second mortgage can cover part of it. $39,229.69 is due at closing. Uses and sources reconcile at $165,882.58 each. Not a Closing Disclosure.