Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,559Cash toward the purchase price.
Closing costs + prepaids$8,690Not just lender fees.
Before credits & paid funds$49,248The complete starting cash picture.
Estimated remaining funds due at closing
$49,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,558.62
Your down payment$40,558.62
Closing costs + prepaids$8,689.51
Total buyer cash needed$49,248.14
Remaining funds due$49,248.14
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%)$1,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$746.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.75
Prepaid interest, first (30 days)$351.05
Fees + prepaids$8,689.51
Your down payment is the seller’s equity. You take over the $149,341 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $49,248.14 is due at closing. Uses and sources reconcile at $198,589.51 each. Not a Closing Disclosure.