Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$164,259Cash toward the purchase price.
Closing costs + prepaids$7,612Not just lender fees.
Before credits & paid funds$171,870The complete starting cash picture.
Estimated remaining funds due at closing
$171,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,258.67
Your down payment$164,258.67
Closing costs + prepaids$7,611.81
Total buyer cash needed$171,870.48
Remaining funds due$171,870.48
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%)$1,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$163.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$184.75
Prepaid interest, first (24 days)$75.35
Fees + prepaids$7,611.81
Your down payment is the seller’s equity. You take over the $32,741 balance, so the rest of the $197,000 price is paid at closing. A second mortgage can cover part of it. $171,870.48 is due at closing. Uses and sources reconcile at $204,611.81 each. Not a Closing Disclosure.