Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,598Cash toward the purchase price.
Closing costs + prepaids$8,893Not just lender fees.
Before credits & paid funds$25,491The complete starting cash picture.
Estimated remaining funds due at closing
$25,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,598.13
Your down payment$16,598.13
Closing costs + prepaids$8,893.17
Total buyer cash needed$25,491.30
Remaining funds due$25,491.30
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%)$1,645.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$739.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$594.75
Prepaid interest, first (31 days)$695.91
Fees + prepaids$8,893.17
Your down payment is the seller’s equity. You take over the $147,902 balance, so the rest of the $164,500 price is paid at closing. A second mortgage can cover part of it. $25,491.30 is due at closing. Uses and sources reconcile at $173,393.17 each. Not a Closing Disclosure.