Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,190Cash toward the purchase price.
Closing costs + prepaids$8,465Not just lender fees.
Before credits & paid funds$33,655The complete starting cash picture.
Estimated remaining funds due at closing
$33,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,190.40
Your down payment$25,190.40
Closing costs + prepaids$8,464.59
Total buyer cash needed$33,654.98
Remaining funds due$33,654.98
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%)$899.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$263.25
Prepaid interest, first (1 days)$34.29
Fees + prepaids$8,464.59
Your down payment is the seller’s equity. You take over the $179,810 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $33,654.98 is due at closing. Uses and sources reconcile at $213,464.59 each. Not a Closing Disclosure.