Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,979Cash toward the purchase price.
Closing costs + prepaids$9,025Not just lender fees.
Before credits & paid funds$27,004The complete starting cash picture.
Estimated remaining funds due at closing
$27,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,979.45
Your down payment$17,979.45
Closing costs + prepaids$9,024.69
Total buyer cash needed$27,004.15
Remaining funds due$27,004.15
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%)$1,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$805.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.75
Prepaid interest, first (24 days)$735.84
Fees + prepaids$9,024.69
Your down payment is the seller’s equity. You take over the $161,021 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $27,004.15 is due at closing. Uses and sources reconcile at $188,024.69 each. Not a Closing Disclosure.