Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$65,080Cash toward the purchase price.
Closing costs + prepaids$7,535Not just lender fees.
Before credits & paid funds$72,615The complete starting cash picture.
Estimated remaining funds due at closing
$72,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,080.27
Your down payment$65,080.27
Closing costs + prepaids$7,535.00
Total buyer cash needed$72,615.26
Remaining funds due$72,615.26
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%)$1,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$474.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.00
Prepaid interest, first (6 days)$50.40
Fees + prepaids$7,535.00
Your down payment is the seller’s equity. You take over the $94,920 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $72,615.26 is due at closing. Uses and sources reconcile at $167,535.00 each. Not a Closing Disclosure.