Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,170Cash toward the purchase price.
Closing costs + prepaids$8,087Not just lender fees.
Before credits & paid funds$38,257The complete starting cash picture.
Estimated remaining funds due at closing
$38,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,169.93
Your down payment$30,169.93
Closing costs + prepaids$8,087.28
Total buyer cash needed$38,257.20
Remaining funds due$38,257.20
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%)$1,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$774.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.50
Prepaid interest, first (1 days)$12.64
Fees + prepaids$8,087.28
Your down payment is the seller’s equity. You take over the $154,829 balance, so the rest of the $184,999 price is paid at closing. A second mortgage can cover part of it. $38,257.20 is due at closing. Uses and sources reconcile at $193,086.28 each. Not a Closing Disclosure.