Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$65,080Cash toward the purchase price.
Closing costs + prepaids$7,730Not just lender fees.
Before credits & paid funds$72,810The complete starting cash picture.
Estimated remaining funds due at closing
$72,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,080.27
Your down payment$65,080.27
Closing costs + prepaids$7,729.59
Total buyer cash needed$72,809.86
Remaining funds due$72,809.86
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%)$1,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$474.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.00
Prepaid interest, first (25 days)$209.99
Fees + prepaids$7,729.59
Your down payment is the seller’s equity. You take over the $94,920 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $72,809.86 is due at closing. Uses and sources reconcile at $167,729.59 each. Not a Closing Disclosure.