Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,082Cash toward the purchase price.
Closing costs + prepaids$9,487Not just lender fees.
Before credits & paid funds$32,569The complete starting cash picture.
Estimated remaining funds due at closing
$32,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,082.13
Your down payment$23,082.13
Closing costs + prepaids$9,486.63
Total buyer cash needed$32,568.76
Remaining funds due$32,568.76
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%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$834.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$602.50
Prepaid interest, first (30 days)$931.54
Fees + prepaids$9,486.63
Your down payment is the seller’s equity. You take over the $166,918 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $32,568.76 is due at closing. Uses and sources reconcile at $199,486.63 each. Not a Closing Disclosure.