Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,017Cash toward the purchase price.
Closing costs + prepaids$9,559Not just lender fees.
Before credits & paid funds$22,576The complete starting cash picture.
Estimated remaining funds due at closing
$22,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,016.64
Your down payment$13,016.64
Closing costs + prepaids$9,558.99
Total buyer cash needed$22,575.63
Remaining funds due$22,575.63
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%)$1,530.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$699.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$226.75
Initial HOA (3 months)$1,083.00
Prepaid interest, first (31 days)$801.32
Fees + prepaids$9,558.99
Your down payment is the seller’s equity. You take over the $139,983 balance, so the rest of the $153,000 price is paid at closing. A second mortgage can cover part of it. $22,575.63 is due at closing. Uses and sources reconcile at $162,558.99 each. Not a Closing Disclosure.