Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,537Cash toward the purchase price.
Closing costs + prepaids$9,086Not just lender fees.
Before credits & paid funds$32,622The complete starting cash picture.
Estimated remaining funds due at closing
$32,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,536.77
Your down payment$23,536.77
Closing costs + prepaids$9,085.71
Total buyer cash needed$32,622.49
Remaining funds due$32,622.49
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%)$1,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$744.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$778.75
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$319.15
Fees + prepaids$9,085.71
Your down payment is the seller’s equity. You take over the $148,963 balance, so the rest of the $172,500 price is paid at closing. A second mortgage can cover part of it. $32,622.49 is due at closing. Uses and sources reconcile at $181,585.71 each. Not a Closing Disclosure.