Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$15,469Cash toward the purchase price.
Closing costs + prepaids$9,060Not just lender fees.
Before credits & paid funds$24,529The complete starting cash picture.
Estimated remaining funds due at closing
$24,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,469.01
Your down payment$15,469.01
Closing costs + prepaids$9,059.78
Total buyer cash needed$24,528.78
Remaining funds due$24,528.78
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%)$1,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$770.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$707.75
Prepaid interest, first (25 days)$668.87
Fees + prepaids$9,059.78
Your down payment is the seller’s equity. You take over the $154,031 balance, so the rest of the $169,500 price is paid at closing. A second mortgage can cover part of it. $24,528.78 is due at closing. Uses and sources reconcile at $178,559.78 each. Not a Closing Disclosure.