Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,115Cash toward the purchase price.
Closing costs + prepaids$8,185Not just lender fees.
Before credits & paid funds$43,300The complete starting cash picture.
Estimated remaining funds due at closing
$43,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,115.23
Your down payment$35,115.23
Closing costs + prepaids$8,184.91
Total buyer cash needed$43,300.14
Remaining funds due$43,300.14
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%)$1,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$623.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.50
Prepaid interest, first (24 days)$235.48
Fees + prepaids$8,184.91
Your down payment is the seller’s equity. You take over the $124,785 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $43,300.14 is due at closing. Uses and sources reconcile at $168,084.91 each. Not a Closing Disclosure.