Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,905Cash toward the purchase price.
Closing costs + prepaids$7,839Not just lender fees.
Before credits & paid funds$74,744The complete starting cash picture.
Estimated remaining funds due at closing
$74,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,905.46
Your down payment$66,905.46
Closing costs + prepaids$7,838.69
Total buyer cash needed$74,744.15
Remaining funds due$74,744.15
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%)$1,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$490.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$94.50
Prepaid interest, first (26 days)$385.71
Fees + prepaids$7,838.69
Your down payment is the seller’s equity. You take over the $98,095 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $74,744.15 is due at closing. Uses and sources reconcile at $172,838.69 each. Not a Closing Disclosure.