Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$33,750Cash toward the purchase price.
Closing costs + prepaids$6,981Not just lender fees.
Before credits & paid funds$40,731The complete starting cash picture.
Estimated remaining funds due at closing
$40,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,749.95
Your down payment$33,749.95
Closing costs + prepaids$6,980.74
Total buyer cash needed$40,730.69
Remaining funds due$40,730.69
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%)$1,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$405.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$61.25
Prepaid interest, first (22 days)$146.74
Fees + prepaids$6,980.74
Your down payment is the seller’s equity. You take over the $81,150 balance, so the rest of the $114,900 price is paid at closing. A second mortgage can cover part of it. $40,730.69 is due at closing. Uses and sources reconcile at $121,880.74 each. Not a Closing Disclosure.