Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$36,996Cash toward the purchase price.
Closing costs + prepaids$8,756Not just lender fees.
Before credits & paid funds$45,753The complete starting cash picture.
Estimated remaining funds due at closing
$45,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,996.31
Your down payment$36,996.31
Closing costs + prepaids$8,756.34
Total buyer cash needed$45,752.65
Remaining funds due$45,752.65
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%)$1,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$590.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$186.00
Initial HOA (3 months)$1,068.00
Prepaid interest, first (12 days)$144.32
Fees + prepaids$8,756.34
Your down payment is the seller’s equity. You take over the $118,004 balance, so the rest of the $155,000 price is paid at closing. A second mortgage can cover part of it. $45,752.65 is due at closing. Uses and sources reconcile at $163,756.34 each. Not a Closing Disclosure.