Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,043Cash toward the purchase price.
Closing costs + prepaids$8,532Not just lender fees.
Before credits & paid funds$53,575The complete starting cash picture.
Estimated remaining funds due at closing
$53,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,043.06
Your down payment$45,043.06
Closing costs + prepaids$8,531.59
Total buyer cash needed$53,574.65
Remaining funds due$53,574.65
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%)$1,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$634.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.00
Prepaid interest, first (23 days)$528.80
Fees + prepaids$8,531.59
Your down payment is the seller’s equity. You take over the $126,957 balance, so the rest of the $172,000 price is paid at closing. A second mortgage can cover part of it. $53,574.65 is due at closing. Uses and sources reconcile at $180,531.59 each. Not a Closing Disclosure.