Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,074Cash toward the purchase price.
Closing costs + prepaids$8,707Not just lender fees.
Before credits & paid funds$37,781The complete starting cash picture.
Estimated remaining funds due at closing
$37,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,074.38
Your down payment$29,074.38
Closing costs + prepaids$8,706.88
Total buyer cash needed$37,781.26
Remaining funds due$37,781.26
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%)$1,820.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$764.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$313.75
Prepaid interest, first (27 days)$590.50
Fees + prepaids$8,706.88
Your down payment is the seller’s equity. You take over the $152,926 balance, so the rest of the $182,000 price is paid at closing. A second mortgage can cover part of it. $37,781.26 is due at closing. Uses and sources reconcile at $190,706.88 each. Not a Closing Disclosure.