Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,059Cash toward the purchase price.
Closing costs + prepaids$8,781Not just lender fees.
Before credits & paid funds$38,840The complete starting cash picture.
Estimated remaining funds due at closing
$38,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,059.19
Your down payment$30,059.19
Closing costs + prepaids$8,781.03
Total buyer cash needed$38,840.22
Remaining funds due$38,840.22
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$749.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$353.75
Prepaid interest, first (24 days)$659.58
Fees + prepaids$8,781.03
Your down payment is the seller’s equity. You take over the $149,941 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $38,840.22 is due at closing. Uses and sources reconcile at $188,781.03 each. Not a Closing Disclosure.