Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$11,953Cash toward the purchase price.
Closing costs + prepaids$8,937Not just lender fees.
Before credits & paid funds$20,891The complete starting cash picture.
Estimated remaining funds due at closing
$20,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,953.36
Your down payment$11,953.36
Closing costs + prepaids$8,937.19
Total buyer cash needed$20,890.55
Remaining funds due$20,890.55
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$815.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.50
Prepaid interest, first (25 days)$750.46
Fees + prepaids$8,937.19
Your down payment is the seller’s equity. You take over the $163,047 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $20,890.55 is due at closing. Uses and sources reconcile at $183,937.19 each. Not a Closing Disclosure.