Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$40,372Cash toward the purchase price.
Closing costs + prepaids$8,876Not just lender fees.
Before credits & paid funds$49,249The complete starting cash picture.
Estimated remaining funds due at closing
$49,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,372.49
Your down payment$40,372.49
Closing costs + prepaids$8,876.39
Total buyer cash needed$49,248.88
Remaining funds due$49,248.88
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%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$748.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$241.00
Prepaid interest, first (27 days)$769.25
Fees + prepaids$8,876.39
Your down payment is the seller’s equity. You take over the $149,628 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $49,248.88 is due at closing. Uses and sources reconcile at $198,876.39 each. Not a Closing Disclosure.