Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$13,087Cash toward the purchase price.
Closing costs + prepaids$8,296Not just lender fees.
Before credits & paid funds$21,383The complete starting cash picture.
Estimated remaining funds due at closing
$21,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,086.85
Your down payment$13,086.85
Closing costs + prepaids$8,295.90
Total buyer cash needed$21,382.75
Remaining funds due$21,382.75
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$809.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$446.25
Prepaid interest, first (5 days)$72.08
Fees + prepaids$8,295.90
Your down payment is the seller’s equity. You take over the $161,913 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $21,382.75 is due at closing. Uses and sources reconcile at $183,295.90 each. Not a Closing Disclosure.