Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,330Cash toward the purchase price.
Closing costs + prepaids$7,850Not just lender fees.
Before credits & paid funds$109,180The complete starting cash picture.
Estimated remaining funds due at closing
$109,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,330.05
Your down payment$101,330.05
Closing costs + prepaids$7,849.87
Total buyer cash needed$109,179.92
Remaining funds due$109,179.92
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%)$338.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$470.00
Prepaid interest, first (26 days)$133.52
Fees + prepaids$7,849.87
Your down payment is the seller’s equity. You take over the $67,670 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $109,179.92 is due at closing. Uses and sources reconcile at $176,849.87 each. Not a Closing Disclosure.