Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,077Cash toward the purchase price.
Closing costs + prepaids$8,644Not just lender fees.
Before credits & paid funds$45,722The complete starting cash picture.
Estimated remaining funds due at closing
$45,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,077.23
Your down payment$37,077.23
Closing costs + prepaids$8,644.50
Total buyer cash needed$45,721.73
Remaining funds due$45,721.73
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%)$2,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$839.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.50
Prepaid interest, first (1 days)$24.38
Fees + prepaids$8,644.50
Your down payment is the seller’s equity. You take over the $167,923 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $45,721.73 is due at closing. Uses and sources reconcile at $213,644.50 each. Not a Closing Disclosure.