Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,697Cash toward the purchase price.
Closing costs + prepaids$9,149Not just lender fees.
Before credits & paid funds$43,846The complete starting cash picture.
Estimated remaining funds due at closing
$43,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,697.26
Your down payment$34,697.26
Closing costs + prepaids$9,148.72
Total buyer cash needed$43,845.98
Remaining funds due$43,845.98
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%)$2,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$851.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.25
Prepaid interest, first (28 days)$681.96
Fees + prepaids$9,148.72
Your down payment is the seller’s equity. You take over the $170,303 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $43,845.98 is due at closing. Uses and sources reconcile at $214,148.72 each. Not a Closing Disclosure.