Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$112,125Cash toward the purchase price.
Closing costs + prepaids$7,837Not just lender fees.
Before credits & paid funds$119,963The complete starting cash picture.
Estimated remaining funds due at closing
$119,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,125.20
Your down payment$112,125.20
Closing costs + prepaids$7,837.44
Total buyer cash needed$119,962.64
Remaining funds due$119,962.64
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%)$1,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$284.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Prepaid interest, first (31 days)$190.32
Fees + prepaids$7,837.44
Your down payment is the seller’s equity. You take over the $56,875 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $119,962.64 is due at closing. Uses and sources reconcile at $176,837.44 each. Not a Closing Disclosure.