Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$9,831Cash toward the purchase price.
Closing costs + prepaids$10,585Not just lender fees.
Before credits & paid funds$20,416The complete starting cash picture.
Estimated remaining funds due at closing
$20,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,830.72
Your down payment$9,830.72
Closing costs + prepaids$10,585.28
Total buyer cash needed$20,416.00
Remaining funds due$20,416.00
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$875.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$109.00
Initial HOA (3 months)$2,133.00
Prepaid interest, first (29 days)$399.43
Fees + prepaids$10,585.28
Your down payment is the seller’s equity. You take over the $175,169 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $20,416.00 is due at closing. Uses and sources reconcile at $195,585.28 each. Not a Closing Disclosure.