Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$13,819Cash toward the purchase price.
Closing costs + prepaids$9,424Not just lender fees.
Before credits & paid funds$23,243The complete starting cash picture.
Estimated remaining funds due at closing
$23,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,818.63
Your down payment$13,818.63
Closing costs + prepaids$9,424.04
Total buyer cash needed$23,242.67
Remaining funds due$23,242.67
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%)$1,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$780.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$215.75
Initial HOA (3 months)$930.00
Prepaid interest, first (24 days)$580.88
Fees + prepaids$9,424.04
Your down payment is the seller’s equity. You take over the $156,081 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $23,242.67 is due at closing. Uses and sources reconcile at $179,324.04 each. Not a Closing Disclosure.