Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$65,277Cash toward the purchase price.
Closing costs + prepaids$8,602Not just lender fees.
Before credits & paid funds$73,878The complete starting cash picture.
Estimated remaining funds due at closing
$73,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,276.54
Your down payment$65,276.54
Closing costs + prepaids$8,601.91
Total buyer cash needed$73,878.45
Remaining funds due$73,878.45
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%)$536.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$769.25
Prepaid interest, first (29 days)$353.54
Fees + prepaids$8,601.91
Your down payment is the seller’s equity. You take over the $107,223 balance, so the rest of the $172,500 price is paid at closing. A second mortgage can cover part of it. $73,878.45 is due at closing. Uses and sources reconcile at $181,101.91 each. Not a Closing Disclosure.