Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$14,444Cash toward the purchase price.
Closing costs + prepaids$9,389Not just lender fees.
Before credits & paid funds$23,833The complete starting cash picture.
Estimated remaining funds due at closing
$23,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,443.75
Your down payment$14,443.75
Closing costs + prepaids$9,389.21
Total buyer cash needed$23,832.96
Remaining funds due$23,832.96
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%)$1,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$917.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.00
Prepaid interest, first (23 days)$778.43
Fees + prepaids$9,389.21
Your down payment is the seller’s equity. You take over the $183,556 balance, so the rest of the $198,000 price is paid at closing. A second mortgage can cover part of it. $23,832.96 is due at closing. Uses and sources reconcile at $207,389.21 each. Not a Closing Disclosure.