Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$39,186Cash toward the purchase price.
Closing costs + prepaids$7,865Not just lender fees.
Before credits & paid funds$47,052The complete starting cash picture.
Estimated remaining funds due at closing
$47,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,186.32
Your down payment$39,186.32
Closing costs + prepaids$7,865.28
Total buyer cash needed$47,051.59
Remaining funds due$47,051.59
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%)$1,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$579.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$256.25
Prepaid interest, first (24 days)$261.96
Fees + prepaids$7,865.28
Your down payment is the seller’s equity. You take over the $115,814 balance, so the rest of the $155,000 price is paid at closing. A second mortgage can cover part of it. $47,051.59 is due at closing. Uses and sources reconcile at $162,865.28 each. Not a Closing Disclosure.