Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$52,132Cash toward the purchase price.
Closing costs + prepaids$8,254Not just lender fees.
Before credits & paid funds$60,386The complete starting cash picture.
Estimated remaining funds due at closing
$60,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,131.94
Your down payment$52,131.94
Closing costs + prepaids$8,253.96
Total buyer cash needed$60,385.90
Remaining funds due$60,385.90
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$664.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$471.75
Prepaid interest, first (5 days)$49.87
Fees + prepaids$8,253.96
Your down payment is the seller’s equity. You take over the $132,868 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $60,385.90 is due at closing. Uses and sources reconcile at $193,253.96 each. Not a Closing Disclosure.