Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,530Cash toward the purchase price.
Closing costs + prepaids$11,177Not just lender fees.
Before credits & paid funds$38,707The complete starting cash picture.
Estimated remaining funds due at closing
$38,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,530.02
Your down payment$27,530.02
Closing costs + prepaids$11,176.81
Total buyer cash needed$38,706.84
Remaining funds due$38,706.84
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%)$1,879.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$801.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.75
Initial HOA (3 months)$1,674.99
Prepaid interest, first (30 days)$904.22
Fees + prepaids$11,176.81
Your down payment is the seller’s equity. You take over the $160,370 balance, so the rest of the $187,900 price is paid at closing. A second mortgage can cover part of it. $38,706.84 is due at closing. Uses and sources reconcile at $199,076.81 each. Not a Closing Disclosure.