Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,837Cash toward the purchase price.
Closing costs + prepaids$9,274Not just lender fees.
Before credits & paid funds$61,111The complete starting cash picture.
Estimated remaining funds due at closing
$61,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,837.41
Your down payment$51,837.41
Closing costs + prepaids$9,273.79
Total buyer cash needed$61,111.20
Remaining funds due$61,111.20
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%)$1,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$590.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,477.50
Prepaid interest, first (30 days)$287.48
Fees + prepaids$9,273.79
Your down payment is the seller’s equity. You take over the $118,163 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $61,111.20 is due at closing. Uses and sources reconcile at $179,273.79 each. Not a Closing Disclosure.