Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,214Cash toward the purchase price.
Closing costs + prepaids$9,233Not just lender fees.
Before credits & paid funds$25,447The complete starting cash picture.
Estimated remaining funds due at closing
$25,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,213.61
Your down payment$16,213.61
Closing costs + prepaids$9,232.97
Total buyer cash needed$25,446.58
Remaining funds due$25,446.58
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%)$1,889.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$863.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.25
Prepaid interest, first (24 days)$790.29
Fees + prepaids$9,232.97
Your down payment is the seller’s equity. You take over the $172,686 balance, so the rest of the $188,900 price is paid at closing. A second mortgage can cover part of it. $25,446.58 is due at closing. Uses and sources reconcile at $198,132.97 each. Not a Closing Disclosure.