Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$11,722Cash toward the purchase price.
Closing costs + prepaids$8,377Not just lender fees.
Before credits & paid funds$20,099The complete starting cash picture.
Estimated remaining funds due at closing
$20,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,721.99
Your down payment$11,721.99
Closing costs + prepaids$8,376.92
Total buyer cash needed$20,098.92
Remaining funds due$20,098.92
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%)$1,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$786.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.00
Prepaid interest, first (17 days)$365.53
Fees + prepaids$8,376.92
Your down payment is the seller’s equity. You take over the $157,278 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $20,098.92 is due at closing. Uses and sources reconcile at $177,376.92 each. Not a Closing Disclosure.