Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,046Cash toward the purchase price.
Closing costs + prepaids$8,766Not just lender fees.
Before credits & paid funds$24,812The complete starting cash picture.
Estimated remaining funds due at closing
$24,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,046.00
Your down payment$16,046.00
Closing costs + prepaids$8,766.49
Total buyer cash needed$24,812.49
Remaining funds due$24,812.49
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%)$1,619.13
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$729.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$599.00
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$451.03
Fees + prepaids$8,766.49
Your down payment is the seller’s equity. You take over the $145,867 balance, so the rest of the $161,913 price is paid at closing. A second mortgage can cover part of it. $24,812.49 is due at closing. Uses and sources reconcile at $170,679.49 each. Not a Closing Disclosure.