Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$8,828Cash toward the purchase price.
Closing costs + prepaids$8,491Not just lender fees.
Before credits & paid funds$17,318The complete starting cash picture.
Estimated remaining funds due at closing
$17,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,827.70
Your down payment$8,827.70
Closing costs + prepaids$8,490.72
Total buyer cash needed$17,318.42
Remaining funds due$17,318.42
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%)$1,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$705.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (26 days)$691.86
Fees + prepaids$8,490.72
Your down payment is the seller’s equity. You take over the $141,172 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $17,318.42 is due at closing. Uses and sources reconcile at $158,490.72 each. Not a Closing Disclosure.