Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$20,607Cash toward the purchase price.
Closing costs + prepaids$9,293Not just lender fees.
Before credits & paid funds$29,900The complete starting cash picture.
Estimated remaining funds due at closing
$29,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,607.20
Your down payment$20,607.20
Closing costs + prepaids$9,292.81
Total buyer cash needed$29,900.00
Remaining funds due$29,900.00
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%)$1,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$796.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$33.50
Initial HOA (3 months)$750.00
Prepaid interest, first (25 days)$694.34
Fees + prepaids$9,292.81
Your down payment is the seller’s equity. You take over the $159,393 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $29,900.00 is due at closing. Uses and sources reconcile at $189,292.81 each. Not a Closing Disclosure.