Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$171,133Cash toward the purchase price.
Closing costs + prepaids$8,676Not just lender fees.
Before credits & paid funds$179,809The complete starting cash picture.
Estimated remaining funds due at closing
$179,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,133.44
Your down payment$171,133.44
Closing costs + prepaids$8,675.89
Total buyer cash needed$179,809.32
Remaining funds due$179,809.32
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%)$2,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$184.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.75
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$90.80
Fees + prepaids$8,675.89
Your down payment is the seller’s equity. You take over the $36,867 balance, so the rest of the $208,000 price is paid at closing. A second mortgage can cover part of it. $179,809.32 is due at closing. Uses and sources reconcile at $216,675.89 each. Not a Closing Disclosure.