Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$511Cash toward the purchase price.
Closing costs + prepaids$8,831Not just lender fees.
Before credits & paid funds$9,341The complete starting cash picture.
Estimated remaining funds due at closing
$9,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$510.80
Your down payment$510.80
Closing costs + prepaids$8,830.55
Total buyer cash needed$9,341.35
Remaining funds due$9,341.35
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%)$1,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$792.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.25
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$643.86
Fees + prepaids$8,830.55
Your down payment is the seller’s equity. You take over the $158,489 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $9,341.35 is due at closing. Uses and sources reconcile at $167,830.55 each. Not a Closing Disclosure.