Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,869Cash toward the purchase price.
Closing costs + prepaids$9,339Not just lender fees.
Before credits & paid funds$45,208The complete starting cash picture.
Estimated remaining funds due at closing
$45,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,868.97
Your down payment$35,868.97
Closing costs + prepaids$9,339.39
Total buyer cash needed$45,208.36
Remaining funds due$45,208.36
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$820.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$953.50
Prepaid interest, first (26 days)$347.24
Fees + prepaids$9,339.39
Your down payment is the seller’s equity. You take over the $164,131 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $45,208.36 is due at closing. Uses and sources reconcile at $209,339.39 each. Not a Closing Disclosure.