Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$8,956Cash toward the purchase price.
Closing costs + prepaids$9,118Not just lender fees.
Before credits & paid funds$18,074The complete starting cash picture.
Estimated remaining funds due at closing
$18,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,956.10
Your down payment$8,956.10
Closing costs + prepaids$9,117.74
Total buyer cash needed$18,073.84
Remaining funds due$18,073.84
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%)$850.22
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 (30 days)$812.02
Fees + prepaids$9,117.74
Your down payment is the seller’s equity. You take over the $170,044 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $18,073.84 is due at closing. Uses and sources reconcile at $188,117.74 each. Not a Closing Disclosure.