Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,873Cash toward the purchase price.
Closing costs + prepaids$9,759Not just lender fees.
Before credits & paid funds$20,631The complete starting cash picture.
Estimated remaining funds due at closing
$20,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,872.60
Your down payment$10,872.60
Closing costs + prepaids$9,758.82
Total buyer cash needed$20,631.42
Remaining funds due$20,631.42
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%)$1,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$843.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.00
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$910.68
Fees + prepaids$9,758.82
Your down payment is the seller’s equity. You take over the $168,627 balance, so the rest of the $179,500 price is paid at closing. A second mortgage can cover part of it. $20,631.42 is due at closing. Uses and sources reconcile at $189,258.82 each. Not a Closing Disclosure.