Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$39,284Cash toward the purchase price.
Closing costs + prepaids$9,114Not just lender fees.
Before credits & paid funds$48,398The complete starting cash picture.
Estimated remaining funds due at closing
$48,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,284.19
Your down payment$39,284.19
Closing costs + prepaids$9,114.07
Total buyer cash needed$48,398.26
Remaining funds due$48,398.26
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%)$1,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$778.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.50
Prepaid interest, first (23 days)$679.99
Fees + prepaids$9,114.07
Your down payment is the seller’s equity. You take over the $155,716 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $48,398.26 is due at closing. Uses and sources reconcile at $204,114.07 each. Not a Closing Disclosure.