Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$137,552Cash toward the purchase price.
Closing costs + prepaids$8,436Not just lender fees.
Before credits & paid funds$145,989The complete starting cash picture.
Estimated remaining funds due at closing
$145,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,552.22
Your down payment$137,552.22
Closing costs + prepaids$8,436.36
Total buyer cash needed$145,988.58
Remaining funds due$145,988.58
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%)$1,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$211.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$121.25
Initial HOA (3 months)$957.00
Prepaid interest, first (21 days)$129.38
Fees + prepaids$8,436.36
Your down payment is the seller’s equity. You take over the $42,348 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $145,988.58 is due at closing. Uses and sources reconcile at $188,336.36 each. Not a Closing Disclosure.