Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,958Cash toward the purchase price.
Closing costs + prepaids$8,545Not just lender fees.
Before credits & paid funds$54,504The complete starting cash picture.
Estimated remaining funds due at closing
$54,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,958.19
Your down payment$45,958.19
Closing costs + prepaids$8,545.40
Total buyer cash needed$54,503.59
Remaining funds due$54,503.59
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$645.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.75
Prepaid interest, first (28 days)$643.44
Fees + prepaids$8,545.40
Your down payment is the seller’s equity. You take over the $129,042 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $54,503.59 is due at closing. Uses and sources reconcile at $183,545.40 each. Not a Closing Disclosure.