Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,315Cash toward the purchase price.
Closing costs + prepaids$9,001Not just lender fees.
Before credits & paid funds$40,316The complete starting cash picture.
Estimated remaining funds due at closing
$40,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,314.62
Your down payment$31,314.62
Closing costs + prepaids$9,001.12
Total buyer cash needed$40,315.74
Remaining funds due$40,315.74
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%)$1,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$828.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.25
Prepaid interest, first (26 days)$749.44
Fees + prepaids$9,001.12
Your down payment is the seller’s equity. You take over the $165,685 balance, so the rest of the $197,000 price is paid at closing. A second mortgage can cover part of it. $40,315.74 is due at closing. Uses and sources reconcile at $206,001.12 each. Not a Closing Disclosure.