Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,406Cash toward the purchase price.
Closing costs + prepaids$9,801Not just lender fees.
Before credits & paid funds$31,207The complete starting cash picture.
Estimated remaining funds due at closing
$31,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,406.12
Your down payment$21,406.12
Closing costs + prepaids$9,800.83
Total buyer cash needed$31,206.95
Remaining funds due$31,206.95
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%)$2,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$952.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$530.00
Prepaid interest, first (27 days)$979.86
Fees + prepaids$9,800.83
Your down payment is the seller’s equity. You take over the $190,594 balance, so the rest of the $212,000 price is paid at closing. A second mortgage can cover part of it. $31,206.95 is due at closing. Uses and sources reconcile at $221,800.83 each. Not a Closing Disclosure.