Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$8,967Cash toward the purchase price.
Closing costs + prepaids$8,251Not just lender fees.
Before credits & paid funds$17,218The complete starting cash picture.
Estimated remaining funds due at closing
$17,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,966.74
Your down payment$8,966.74
Closing costs + prepaids$8,251.08
Total buyer cash needed$17,217.82
Remaining funds due$17,217.82
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%)$1,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$740.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$37.50
Prepaid interest, first (26 days)$685.41
Fees + prepaids$8,251.08
Your down payment is the seller’s equity. You take over the $148,033 balance, so the rest of the $157,000 price is paid at closing. A second mortgage can cover part of it. $17,217.82 is due at closing. Uses and sources reconcile at $165,251.08 each. Not a Closing Disclosure.