Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,175Cash toward the purchase price.
Closing costs + prepaids$8,510Not just lender fees.
Before credits & paid funds$36,685The complete starting cash picture.
Estimated remaining funds due at closing
$36,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,175.29
Your down payment$28,175.29
Closing costs + prepaids$8,509.79
Total buyer cash needed$36,685.08
Remaining funds due$36,685.08
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$150.50
Prepaid interest, first (31 days)$657.17
Fees + prepaids$8,509.79
Your down payment is the seller’s equity. You take over the $146,825 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $36,685.08 is due at closing. Uses and sources reconcile at $183,509.79 each. Not a Closing Disclosure.