Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,435Cash toward the purchase price.
Closing costs + prepaids$8,533Not just lender fees.
Before credits & paid funds$210,968The complete starting cash picture.
Estimated remaining funds due at closing
$210,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,434.84
Your down payment$202,434.84
Closing costs + prepaids$8,533.16
Total buyer cash needed$210,968.00
Remaining funds due$210,968.00
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%)$2,159.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$67.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.00
Initial HOA (3 months)$708.00
Prepaid interest, first (24 days)$24.35
Fees + prepaids$8,533.16
Your down payment is the seller’s equity. You take over the $13,564 balance, so the rest of the $215,999 price is paid at closing. A second mortgage can cover part of it. $210,968.00 is due at closing. Uses and sources reconcile at $224,532.16 each. Not a Closing Disclosure.