Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,816Cash toward the purchase price.
Closing costs + prepaids$7,857Not just lender fees.
Before credits & paid funds$37,673The complete starting cash picture.
Estimated remaining funds due at closing
$37,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,816.03
Your down payment$29,816.03
Closing costs + prepaids$7,857.46
Total buyer cash needed$37,673.49
Remaining funds due$37,673.49
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%)$1,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$535.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.75
Prepaid interest, first (28 days)$583.79
Fees + prepaids$7,857.46
Your down payment is the seller’s equity. You take over the $107,184 balance, so the rest of the $137,000 price is paid at closing. A second mortgage can cover part of it. $37,673.49 is due at closing. Uses and sources reconcile at $144,857.46 each. Not a Closing Disclosure.