Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$30,148Cash toward the purchase price.
Closing costs + prepaids$9,099Not just lender fees.
Before credits & paid funds$39,247The complete starting cash picture.
Estimated remaining funds due at closing
$39,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,148.08
Your down payment$30,148.08
Closing costs + prepaids$9,098.90
Total buyer cash needed$39,246.98
Remaining funds due$39,246.98
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%)$1,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$574.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$174.00
Initial HOA (3 months)$1,617.00
Prepaid interest, first (7 days)$65.64
Fees + prepaids$9,098.90
Your down payment is the seller’s equity. You take over the $114,852 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $39,246.98 is due at closing. Uses and sources reconcile at $154,098.90 each. Not a Closing Disclosure.