Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,605Cash toward the purchase price.
Closing costs + prepaids$7,640Not just lender fees.
Before credits & paid funds$30,244The complete starting cash picture.
Estimated remaining funds due at closing
$30,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,604.51
Your down payment$22,604.51
Closing costs + prepaids$7,639.67
Total buyer cash needed$30,244.18
Remaining funds due$30,244.18
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%)$1,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$536.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$98.50
Prepaid interest, first (27 days)$486.19
Fees + prepaids$7,639.67
Your down payment is the seller’s equity. You take over the $107,395 balance, so the rest of the $130,000 price is paid at closing. A second mortgage can cover part of it. $30,244.18 is due at closing. Uses and sources reconcile at $137,639.67 each. Not a Closing Disclosure.