Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,918Cash toward the purchase price.
Closing costs + prepaids$9,604Not just lender fees.
Before credits & paid funds$39,522The complete starting cash picture.
Estimated remaining funds due at closing
$39,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,918.44
Your down payment$29,918.44
Closing costs + prepaids$9,603.84
Total buyer cash needed$39,522.28
Remaining funds due$39,522.28
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%)$2,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$875.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$627.00
Prepaid interest, first (25 days)$833.44
Fees + prepaids$9,603.84
Your down payment is the seller’s equity. You take over the $175,082 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $39,522.28 is due at closing. Uses and sources reconcile at $214,603.84 each. Not a Closing Disclosure.