Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,476Cash toward the purchase price.
Closing costs + prepaids$9,553Not just lender fees.
Before credits & paid funds$22,029The complete starting cash picture.
Estimated remaining funds due at closing
$22,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,476.49
Your down payment$12,476.49
Closing costs + prepaids$9,552.57
Total buyer cash needed$22,029.06
Remaining funds due$22,029.06
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%)$2,069.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$972.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.00
Prepaid interest, first (27 days)$966.96
Fees + prepaids$9,552.57
Your down payment is the seller’s equity. You take over the $194,523 balance, so the rest of the $206,999 price is paid at closing. A second mortgage can cover part of it. $22,029.06 is due at closing. Uses and sources reconcile at $216,551.57 each. Not a Closing Disclosure.