Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,180Cash toward the purchase price.
Closing costs + prepaids$8,377Not just lender fees.
Before credits & paid funds$26,557The complete starting cash picture.
Estimated remaining funds due at closing
$26,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,180.23
Your down payment$18,180.23
Closing costs + prepaids$8,377.00
Total buyer cash needed$26,557.23
Remaining funds due$26,557.23
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%)$1,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$683.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.00
Prepaid interest, first (28 days)$524.40
Fees + prepaids$8,377.00
Your down payment is the seller’s equity. You take over the $136,720 balance, so the rest of the $154,900 price is paid at closing. A second mortgage can cover part of it. $26,557.23 is due at closing. Uses and sources reconcile at $163,277.00 each. Not a Closing Disclosure.