Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$32,656Cash toward the purchase price.
Closing costs + prepaids$9,418Not just lender fees.
Before credits & paid funds$42,074The complete starting cash picture.
Estimated remaining funds due at closing
$42,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,655.97
Your down payment$32,655.97
Closing costs + prepaids$9,418.17
Total buyer cash needed$42,074.14
Remaining funds due$42,074.14
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%)$2,174.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$923.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$633.25
Prepaid interest, first (30 days)$469.20
Fees + prepaids$9,418.17
Your down payment is the seller’s equity. You take over the $184,744 balance, so the rest of the $217,400 price is paid at closing. A second mortgage can cover part of it. $42,074.14 is due at closing. Uses and sources reconcile at $226,818.17 each. Not a Closing Disclosure.