Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$114,318Cash toward the purchase price.
Closing costs + prepaids$8,388Not just lender fees.
Before credits & paid funds$122,706The complete starting cash picture.
Estimated remaining funds due at closing
$122,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,317.59
Your down payment$114,317.59
Closing costs + prepaids$8,387.95
Total buyer cash needed$122,705.54
Remaining funds due$122,705.54
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%)$1,709.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$282.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$205.00
Initial HOA (3 months)$933.00
Prepaid interest, first (9 days)$40.04
Fees + prepaids$8,387.95
Your down payment is the seller’s equity. You take over the $56,582 balance, so the rest of the $170,900 price is paid at closing. A second mortgage can cover part of it. $122,705.54 is due at closing. Uses and sources reconcile at $179,287.95 each. Not a Closing Disclosure.