Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$71,107Cash toward the purchase price.
Closing costs + prepaids$7,829Not just lender fees.
Before credits & paid funds$78,936The complete starting cash picture.
Estimated remaining funds due at closing
$78,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,106.95
Your down payment$71,106.95
Closing costs + prepaids$7,829.40
Total buyer cash needed$78,936.35
Remaining funds due$78,936.35
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%)$1,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$493.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.50
Prepaid interest, first (24 days)$268.93
Fees + prepaids$7,829.40
Your down payment is the seller’s equity. You take over the $98,793 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $78,936.35 is due at closing. Uses and sources reconcile at $177,729.40 each. Not a Closing Disclosure.