Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$12,311Cash toward the purchase price.
Closing costs + prepaids$8,682Not just lender fees.
Before credits & paid funds$20,994The complete starting cash picture.
Estimated remaining funds due at closing
$20,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,311.35
Your down payment$12,311.35
Closing costs + prepaids$8,682.36
Total buyer cash needed$20,993.71
Remaining funds due$20,993.71
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%)$1,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$787.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$123.50
Prepaid interest, first (29 days)$853.91
Fees + prepaids$8,682.36
Your down payment is the seller’s equity. You take over the $157,589 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $20,993.71 is due at closing. Uses and sources reconcile at $178,582.36 each. Not a Closing Disclosure.