Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,996Cash toward the purchase price.
Closing costs + prepaids$8,822Not just lender fees.
Before credits & paid funds$49,818The complete starting cash picture.
Estimated remaining funds due at closing
$49,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,996.11
Your down payment$40,996.11
Closing costs + prepaids$8,822.21
Total buyer cash needed$49,818.32
Remaining funds due$49,818.32
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%)$1,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$694.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$190.50
Prepaid interest, first (31 days)$920.19
Fees + prepaids$8,822.21
Your down payment is the seller’s equity. You take over the $138,904 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $49,818.32 is due at closing. Uses and sources reconcile at $188,722.21 each. Not a Closing Disclosure.