Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,932Cash toward the purchase price.
Closing costs + prepaids$9,562Not just lender fees.
Before credits & paid funds$35,493The complete starting cash picture.
Estimated remaining funds due at closing
$35,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,931.77
Your down payment$25,931.77
Closing costs + prepaids$9,561.63
Total buyer cash needed$35,493.39
Remaining funds due$35,493.39
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%)$1,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$769.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$52.25
Initial HOA (3 months)$930.00
Prepaid interest, first (28 days)$792.54
Fees + prepaids$9,561.63
Your down payment is the seller’s equity. You take over the $153,968 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $35,493.39 is due at closing. Uses and sources reconcile at $189,461.63 each. Not a Closing Disclosure.