Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,853Cash toward the purchase price.
Closing costs + prepaids$8,377Not just lender fees.
Before credits & paid funds$31,230The complete starting cash picture.
Estimated remaining funds due at closing
$31,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,852.80
Your down payment$22,852.80
Closing costs + prepaids$8,377.17
Total buyer cash needed$31,229.97
Remaining funds due$31,229.97
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%)$1,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$610.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.50
Prepaid interest, first (26 days)$589.44
Fees + prepaids$8,377.17
Your down payment is the seller’s equity. You take over the $122,047 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $31,229.97 is due at closing. Uses and sources reconcile at $153,277.17 each. Not a Closing Disclosure.