Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,727Cash toward the purchase price.
Closing costs + prepaids$8,297Not just lender fees.
Before credits & paid funds$23,024The complete starting cash picture.
Estimated remaining funds due at closing
$23,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,727.46
Your down payment$14,727.46
Closing costs + prepaids$8,296.65
Total buyer cash needed$23,024.11
Remaining funds due$23,024.11
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%)$726.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$60.75
Prepaid interest, first (25 days)$691.54
Fees + prepaids$8,296.65
Your down payment is the seller’s equity. You take over the $145,273 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $23,024.11 is due at closing. Uses and sources reconcile at $168,296.65 each. Not a Closing Disclosure.