Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$169,137Cash toward the purchase price.
Closing costs + prepaids$8,465Not just lender fees.
Before credits & paid funds$177,603The complete starting cash picture.
Estimated remaining funds due at closing
$177,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,137.45
Your down payment$169,137.45
Closing costs + prepaids$8,465.26
Total buyer cash needed$177,602.71
Remaining funds due$177,602.71
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%)$2,255.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$281.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$563.75
Prepaid interest, first (25 days)$146.70
Fees + prepaids$8,465.26
Your down payment is the seller’s equity. You take over the $56,363 balance, so the rest of the $225,500 price is paid at closing. A second mortgage can cover part of it. $177,602.71 is due at closing. Uses and sources reconcile at $233,965.26 each. Not a Closing Disclosure.