Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$104,175Cash toward the purchase price.
Closing costs + prepaids$7,646Not just lender fees.
Before credits & paid funds$111,821The complete starting cash picture.
Estimated remaining funds due at closing
$111,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,174.96
Your down payment$104,174.96
Closing costs + prepaids$7,645.95
Total buyer cash needed$111,820.91
Remaining funds due$111,820.91
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%)$1,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$374.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$214.75
Prepaid interest, first (6 days)$49.08
Fees + prepaids$7,645.95
Your down payment is the seller’s equity. You take over the $74,825 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $111,820.91 is due at closing. Uses and sources reconcile at $186,645.95 each. Not a Closing Disclosure.