Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$15,066Cash toward the purchase price.
Closing costs + prepaids$7,781Not just lender fees.
Before credits & paid funds$22,848The complete starting cash picture.
Estimated remaining funds due at closing
$22,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,066.34
Your down payment$15,066.34
Closing costs + prepaids$7,781.25
Total buyer cash needed$22,847.60
Remaining funds due$22,847.60
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$799.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (1 days)$13.58
Fees + prepaids$7,781.25
Your down payment is the seller’s equity. You take over the $159,934 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $22,847.60 is due at closing. Uses and sources reconcile at $182,781.25 each. Not a Closing Disclosure.