Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,291Cash toward the purchase price.
Closing costs + prepaids$8,142Not just lender fees.
Before credits & paid funds$31,433The complete starting cash picture.
Estimated remaining funds due at closing
$31,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,290.64
Your down payment$23,290.64
Closing costs + prepaids$8,142.17
Total buyer cash needed$31,432.80
Remaining funds due$31,432.80
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%)$1,679.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$723.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$312.12
Fees + prepaids$8,142.17
Your down payment is the seller’s equity. You take over the $144,609 balance, so the rest of the $167,900 price is paid at closing. A second mortgage can cover part of it. $31,432.80 is due at closing. Uses and sources reconcile at $176,042.17 each. Not a Closing Disclosure.