Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$12,158Cash toward the purchase price.
Closing costs + prepaids$9,378Not just lender fees.
Before credits & paid funds$21,536The complete starting cash picture.
Estimated remaining funds due at closing
$21,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,158.26
Your down payment$12,158.26
Closing costs + prepaids$9,377.92
Total buyer cash needed$21,536.18
Remaining funds due$21,536.18
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%)$1,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$738.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,174.25
Prepaid interest, first (24 days)$647.96
Fees + prepaids$9,377.92
Your down payment is the seller’s equity. You take over the $147,742 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $21,536.18 is due at closing. Uses and sources reconcile at $169,277.92 each. Not a Closing Disclosure.