Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$65,451Cash toward the purchase price.
Closing costs + prepaids$8,336Not just lender fees.
Before credits & paid funds$73,787The complete starting cash picture.
Estimated remaining funds due at closing
$73,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,451.17
Your down payment$65,451.17
Closing costs + prepaids$8,336.00
Total buyer cash needed$73,787.17
Remaining funds due$73,787.17
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$572.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (24 days)$295.25
Fees + prepaids$8,336.00
Your down payment is the seller’s equity. You take over the $114,549 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $73,787.17 is due at closing. Uses and sources reconcile at $188,336.00 each. Not a Closing Disclosure.