Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,879Cash toward the purchase price.
Closing costs + prepaids$8,639Not just lender fees.
Before credits & paid funds$33,518The complete starting cash picture.
Estimated remaining funds due at closing
$33,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,878.88
Your down payment$24,878.88
Closing costs + prepaids$8,639.02
Total buyer cash needed$33,517.91
Remaining funds due$33,517.91
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%)$1,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$645.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.50
Initial HOA (3 months)$165.00
Prepaid interest, first (24 days)$545.92
Fees + prepaids$8,639.02
Your down payment is the seller’s equity. You take over the $129,121 balance, so the rest of the $154,000 price is paid at closing. A second mortgage can cover part of it. $33,517.91 is due at closing. Uses and sources reconcile at $162,639.02 each. Not a Closing Disclosure.