Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$16,898Cash toward the purchase price.
Closing costs + prepaids$9,189Not just lender fees.
Before credits & paid funds$26,088The complete starting cash picture.
Estimated remaining funds due at closing
$26,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,898.37
Your down payment$16,898.37
Closing costs + prepaids$9,189.32
Total buyer cash needed$26,087.69
Remaining funds due$26,087.69
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%)$1,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$810.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.50
Prepaid interest, first (30 days)$923.31
Fees + prepaids$9,189.32
Your down payment is the seller’s equity. You take over the $162,102 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $26,087.69 is due at closing. Uses and sources reconcile at $188,189.32 each. Not a Closing Disclosure.