Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,246Cash toward the purchase price.
Closing costs + prepaids$9,291Not just lender fees.
Before credits & paid funds$27,537The complete starting cash picture.
Estimated remaining funds due at closing
$27,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,245.99
Your down payment$18,245.99
Closing costs + prepaids$9,291.27
Total buyer cash needed$27,537.26
Remaining funds due$27,537.26
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$903.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.50
Prepaid interest, first (26 days)$797.00
Fees + prepaids$9,291.27
Your down payment is the seller’s equity. You take over the $180,754 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $27,537.26 is due at closing. Uses and sources reconcile at $208,291.27 each. Not a Closing Disclosure.