Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$11,162Cash toward the purchase price.
Closing costs + prepaids$8,578Not just lender fees.
Before credits & paid funds$19,740The complete starting cash picture.
Estimated remaining funds due at closing
$19,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,162.01
Your down payment$11,162.01
Closing costs + prepaids$8,577.93
Total buyer cash needed$19,739.94
Remaining funds due$19,739.94
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%)$1,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$789.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$154.25
Prepaid interest, first (25 days)$726.49
Fees + prepaids$8,577.93
Your down payment is the seller’s equity. You take over the $157,838 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $19,739.94 is due at closing. Uses and sources reconcile at $177,577.93 each. Not a Closing Disclosure.