Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,117Cash toward the purchase price.
Closing costs + prepaids$9,067Not just lender fees.
Before credits & paid funds$47,184The complete starting cash picture.
Estimated remaining funds due at closing
$47,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,116.86
Your down payment$38,116.86
Closing costs + prepaids$9,067.21
Total buyer cash needed$47,184.07
Remaining funds due$47,184.07
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%)$1,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$758.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$582.50
Prepaid interest, first (24 days)$608.80
Fees + prepaids$9,067.21
Your down payment is the seller’s equity. You take over the $151,783 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $47,184.07 is due at closing. Uses and sources reconcile at $198,967.21 each. Not a Closing Disclosure.