Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,265Cash toward the purchase price.
Closing costs + prepaids$8,266Not just lender fees.
Before credits & paid funds$31,530The complete starting cash picture.
Estimated remaining funds due at closing
$31,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,264.66
Your down payment$23,264.66
Closing costs + prepaids$8,265.67
Total buyer cash needed$31,530.32
Remaining funds due$31,530.32
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%)$778.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.50
Prepaid interest, first (2 days)$31.49
Fees + prepaids$8,265.67
Your down payment is the seller’s equity. You take over the $155,735 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $31,530.32 is due at closing. Uses and sources reconcile at $187,265.67 each. Not a Closing Disclosure.