Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,643Cash toward the purchase price.
Closing costs + prepaids$8,167Not just lender fees.
Before credits & paid funds$85,811The complete starting cash picture.
Estimated remaining funds due at closing
$85,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,643.07
Your down payment$77,643.07
Closing costs + prepaids$8,167.45
Total buyer cash needed$85,810.52
Remaining funds due$85,810.52
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%)$1,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$506.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.25
Prepaid interest, first (27 days)$274.41
Fees + prepaids$8,167.45
Your down payment is the seller’s equity. You take over the $101,357 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $85,810.52 is due at closing. Uses and sources reconcile at $187,167.45 each. Not a Closing Disclosure.