Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,021Cash toward the purchase price.
Closing costs + prepaids$10,128Not just lender fees.
Before credits & paid funds$33,149The complete starting cash picture.
Estimated remaining funds due at closing
$33,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,021.31
Your down payment$23,021.31
Closing costs + prepaids$10,127.96
Total buyer cash needed$33,149.27
Remaining funds due$33,149.27
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%)$2,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$979.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$547.50
Initial HOA (3 months)$261.00
Prepaid interest, first (25 days)$931.57
Fees + prepaids$10,127.96
Your down payment is the seller’s equity. You take over the $195,979 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $33,149.27 is due at closing. Uses and sources reconcile at $229,127.96 each. Not a Closing Disclosure.