Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,190Cash toward the purchase price.
Closing costs + prepaids$9,064Not just lender fees.
Before credits & paid funds$51,254The complete starting cash picture.
Estimated remaining funds due at closing
$51,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,190.03
Your down payment$42,190.03
Closing costs + prepaids$9,063.94
Total buyer cash needed$51,253.97
Remaining funds due$51,253.97
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$839.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$99.75
Prepaid interest, first (28 days)$807.14
Fees + prepaids$9,063.94
Your down payment is the seller’s equity. You take over the $167,810 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $51,253.97 is due at closing. Uses and sources reconcile at $219,063.94 each. Not a Closing Disclosure.