Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,745Cash toward the purchase price.
Closing costs + prepaids$9,631Not just lender fees.
Before credits & paid funds$11,377The complete starting cash picture.
Estimated remaining funds due at closing
$11,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,745.42
Your down payment$1,745.42
Closing costs + prepaids$9,631.25
Total buyer cash needed$11,376.67
Remaining funds due$11,376.67
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%)$1,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$836.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$596.75
Initial HOA (3 months)$369.00
Prepaid interest, first (28 days)$921.23
Fees + prepaids$9,631.25
Your down payment is the seller’s equity. You take over the $167,255 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $11,376.67 is due at closing. Uses and sources reconcile at $178,631.25 each. Not a Closing Disclosure.