Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,275Cash toward the purchase price.
Closing costs + prepaids$9,208Not just lender fees.
Before credits & paid funds$36,484The complete starting cash picture.
Estimated remaining funds due at closing
$36,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,275.37
Your down payment$27,275.37
Closing costs + prepaids$9,208.24
Total buyer cash needed$36,483.60
Remaining funds due$36,483.60
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%)$913.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$148.00
Initial HOA (3 months)$12.51
Prepaid interest, first (26 days)$816.10
Fees + prepaids$9,208.24
Your down payment is the seller’s equity. You take over the $182,725 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $36,483.60 is due at closing. Uses and sources reconcile at $219,208.24 each. Not a Closing Disclosure.