Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,722Cash toward the purchase price.
Closing costs + prepaids$8,851Not just lender fees.
Before credits & paid funds$37,573The complete starting cash picture.
Estimated remaining funds due at closing
$37,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,721.56
Your down payment$28,721.56
Closing costs + prepaids$8,851.33
Total buyer cash needed$37,572.89
Remaining funds due$37,572.89
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%)$1,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$716.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$890.75
Prepaid interest, first (26 days)$306.18
Fees + prepaids$8,851.33
Your down payment is the seller’s equity. You take over the $143,278 balance, so the rest of the $172,000 price is paid at closing. A second mortgage can cover part of it. $37,572.89 is due at closing. Uses and sources reconcile at $180,851.33 each. Not a Closing Disclosure.