Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,092Cash toward the purchase price.
Closing costs + prepaids$8,483Not just lender fees.
Before credits & paid funds$44,575The complete starting cash picture.
Estimated remaining funds due at closing
$44,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,091.81
Your down payment$36,091.81
Closing costs + prepaids$8,483.41
Total buyer cash needed$44,575.22
Remaining funds due$44,575.22
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%)$1,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$644.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$412.50
Prepaid interest, first (30 days)$558.37
Fees + prepaids$8,483.41
Your down payment is the seller’s equity. You take over the $128,908 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $44,575.22 is due at closing. Uses and sources reconcile at $173,483.41 each. Not a Closing Disclosure.