Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$39,236Cash toward the purchase price.
Closing costs + prepaids$8,220Not just lender fees.
Before credits & paid funds$47,456The complete starting cash picture.
Estimated remaining funds due at closing
$47,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,235.97
Your down payment$39,235.97
Closing costs + prepaids$8,220.33
Total buyer cash needed$47,456.31
Remaining funds due$47,456.31
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%)$1,659.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$633.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$71.75
Initial HOA (3 months)$151.26
Prepaid interest, first (20 days)$485.52
Fees + prepaids$8,220.33
Your down payment is the seller’s equity. You take over the $126,763 balance, so the rest of the $165,999 price is paid at closing. A second mortgage can cover part of it. $47,456.31 is due at closing. Uses and sources reconcile at $174,219.33 each. Not a Closing Disclosure.