Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,321Cash toward the purchase price.
Closing costs + prepaids$7,809Not just lender fees.
Before credits & paid funds$33,130The complete starting cash picture.
Estimated remaining funds due at closing
$33,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,321.25
Your down payment$25,321.25
Closing costs + prepaids$7,808.79
Total buyer cash needed$33,130.04
Remaining funds due$33,130.04
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$748.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$80.50
Prepaid interest, first (1 days)$11.89
Fees + prepaids$7,808.79
Your down payment is the seller’s equity. You take over the $149,679 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $33,130.04 is due at closing. Uses and sources reconcile at $182,808.79 each. Not a Closing Disclosure.