Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,887Cash toward the purchase price.
Closing costs + prepaids$7,573Not just lender fees.
Before credits & paid funds$78,460The complete starting cash picture.
Estimated remaining funds due at closing
$78,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,886.82
Your down payment$70,886.82
Closing costs + prepaids$7,572.80
Total buyer cash needed$78,459.62
Remaining funds due$78,459.62
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%)$1,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$495.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.50
Prepaid interest, first (1 days)$11.23
Fees + prepaids$7,572.80
Your down payment is the seller’s equity. You take over the $99,013 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $78,459.62 is due at closing. Uses and sources reconcile at $177,472.80 each. Not a Closing Disclosure.