Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,801Cash toward the purchase price.
Closing costs + prepaids$9,358Not just lender fees.
Before credits & paid funds$44,159The complete starting cash picture.
Estimated remaining funds due at closing
$44,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,801.23
Your down payment$34,801.23
Closing costs + prepaids$9,358.03
Total buyer cash needed$44,159.26
Remaining funds due$44,159.26
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%)$1,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$805.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.00
Prepaid interest, first (27 days)$750.04
Fees + prepaids$9,358.03
Your down payment is the seller’s equity. You take over the $161,199 balance, so the rest of the $196,000 price is paid at closing. A second mortgage can cover part of it. $44,159.26 is due at closing. Uses and sources reconcile at $205,358.03 each. Not a Closing Disclosure.