Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$65,997Cash toward the purchase price.
Closing costs + prepaids$8,669Not just lender fees.
Before credits & paid funds$74,666The complete starting cash picture.
Estimated remaining funds due at closing
$74,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,997.18
Your down payment$65,997.18
Closing costs + prepaids$8,668.63
Total buyer cash needed$74,665.81
Remaining funds due$74,665.81
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%)$1,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$569.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.50
Initial HOA (3 months)$627.00
Prepaid interest, first (29 days)$203.62
Fees + prepaids$8,668.63
Your down payment is the seller’s equity. You take over the $113,903 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $74,665.81 is due at closing. Uses and sources reconcile at $188,568.63 each. Not a Closing Disclosure.