Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,486Cash toward the purchase price.
Closing costs + prepaids$9,366Not just lender fees.
Before credits & paid funds$44,853The complete starting cash picture.
Estimated remaining funds due at closing
$44,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,486.30
Your down payment$35,486.30
Closing costs + prepaids$9,366.48
Total buyer cash needed$44,852.78
Remaining funds due$44,852.78
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$817.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.50
Initial HOA (3 months)$840.00
Prepaid interest, first (23 days)$319.41
Fees + prepaids$9,366.48
Your down payment is the seller’s equity. You take over the $163,514 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $44,852.78 is due at closing. Uses and sources reconcile at $208,366.48 each. Not a Closing Disclosure.