Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,367Cash toward the purchase price.
Closing costs + prepaids$8,900Not just lender fees.
Before credits & paid funds$21,267The complete starting cash picture.
Estimated remaining funds due at closing
$21,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,366.79
Your down payment$12,366.79
Closing costs + prepaids$8,900.39
Total buyer cash needed$21,267.17
Remaining funds due$21,267.17
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$813.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (25 days)$681.72
Fees + prepaids$8,900.39
Your down payment is the seller’s equity. You take over the $162,633 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $21,267.17 is due at closing. Uses and sources reconcile at $183,900.39 each. Not a Closing Disclosure.