Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,011Cash toward the purchase price.
Closing costs + prepaids$8,298Not just lender fees.
Before credits & paid funds$45,308The complete starting cash picture.
Estimated remaining funds due at closing
$45,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,010.63
Your down payment$37,010.63
Closing costs + prepaids$8,297.79
Total buyer cash needed$45,308.42
Remaining funds due$45,308.42
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%)$1,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$639.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.25
Prepaid interest, first (28 days)$306.09
Fees + prepaids$8,297.79
Your down payment is the seller’s equity. You take over the $127,889 balance, so the rest of the $164,900 price is paid at closing. A second mortgage can cover part of it. $45,308.42 is due at closing. Uses and sources reconcile at $173,197.79 each. Not a Closing Disclosure.