Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$10,261Cash toward the purchase price.
Closing costs + prepaids$9,174Not just lender fees.
Before credits & paid funds$19,435The complete starting cash picture.
Estimated remaining funds due at closing
$19,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,261.38
Your down payment$10,261.38
Closing costs + prepaids$9,173.91
Total buyer cash needed$19,435.29
Remaining funds due$19,435.29
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$848.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$536.00
Prepaid interest, first (24 days)$771.22
Fees + prepaids$9,173.91
Your down payment is the seller’s equity. You take over the $169,739 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $19,435.29 is due at closing. Uses and sources reconcile at $189,173.91 each. Not a Closing Disclosure.