Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,372Cash toward the purchase price.
Closing costs + prepaids$8,594Not just lender fees.
Before credits & paid funds$42,965The complete starting cash picture.
Estimated remaining funds due at closing
$42,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,371.51
Your down payment$34,371.51
Closing costs + prepaids$8,593.97
Total buyer cash needed$42,965.48
Remaining funds due$42,965.48
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%)$1,455.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$555.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,063.00
Prepaid interest, first (30 days)$302.33
Fees + prepaids$8,593.97
Your down payment is the seller’s equity. You take over the $111,128 balance, so the rest of the $145,500 price is paid at closing. A second mortgage can cover part of it. $42,965.48 is due at closing. Uses and sources reconcile at $154,093.97 each. Not a Closing Disclosure.