Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,123Cash toward the purchase price.
Closing costs + prepaids$9,723Not just lender fees.
Before credits & paid funds$28,845The complete starting cash picture.
Estimated remaining funds due at closing
$28,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,122.81
Your down payment$19,122.81
Closing costs + prepaids$9,722.66
Total buyer cash needed$28,845.47
Remaining funds due$28,845.47
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%)$2,134.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$971.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$533.75
Prepaid interest, first (25 days)$864.04
Fees + prepaids$9,722.66
Your down payment is the seller’s equity. You take over the $194,376 balance, so the rest of the $213,499 price is paid at closing. A second mortgage can cover part of it. $28,845.47 is due at closing. Uses and sources reconcile at $223,221.66 each. Not a Closing Disclosure.