Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,041Cash toward the purchase price.
Closing costs + prepaids$9,228Not just lender fees.
Before credits & paid funds$49,269The complete starting cash picture.
Estimated remaining funds due at closing
$49,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,040.75
Your down payment$40,040.75
Closing costs + prepaids$9,228.28
Total buyer cash needed$49,269.04
Remaining funds due$49,269.04
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%)$849.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (23 days)$535.49
Fees + prepaids$9,228.28
Your down payment is the seller’s equity. You take over the $169,959 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $49,269.04 is due at closing. Uses and sources reconcile at $219,228.28 each. Not a Closing Disclosure.