Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,125Cash toward the purchase price.
Closing costs + prepaids$10,255Not just lender fees.
Before credits & paid funds$47,380The complete starting cash picture.
Estimated remaining funds due at closing
$47,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,124.63
Your down payment$37,124.63
Closing costs + prepaids$10,255.41
Total buyer cash needed$47,380.04
Remaining funds due$47,380.04
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%)$2,039.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$833.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.50
Initial HOA (3 months)$1,365.00
Prepaid interest, first (30 days)$392.04
Fees + prepaids$10,255.41
Your down payment is the seller’s equity. You take over the $166,775 balance, so the rest of the $203,900 price is paid at closing. A second mortgage can cover part of it. $47,380.04 is due at closing. Uses and sources reconcile at $214,155.41 each. Not a Closing Disclosure.