Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,365Cash toward the purchase price.
Closing costs + prepaids$9,985Not just lender fees.
Before credits & paid funds$44,350The complete starting cash picture.
Estimated remaining funds due at closing
$44,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,364.77
Your down payment$34,364.77
Closing costs + prepaids$9,985.13
Total buyer cash needed$44,349.90
Remaining funds due$44,349.90
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%)$1,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$490.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.25
Initial HOA (3 months)$2,391.00
Prepaid interest, first (30 days)$245.20
Fees + prepaids$9,985.13
Your down payment is the seller’s equity. You take over the $98,135 balance, so the rest of the $132,500 price is paid at closing. A second mortgage can cover part of it. $44,349.90 is due at closing. Uses and sources reconcile at $142,485.13 each. Not a Closing Disclosure.