Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,169Cash toward the purchase price.
Closing costs + prepaids$9,792Not just lender fees.
Before credits & paid funds$41,960The complete starting cash picture.
Estimated remaining funds due at closing
$41,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,168.51
Your down payment$32,168.51
Closing costs + prepaids$9,791.97
Total buyer cash needed$41,960.48
Remaining funds due$41,960.48
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%)$834.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$994.00
Prepaid interest, first (24 days)$755.82
Fees + prepaids$9,791.97
Your down payment is the seller’s equity. You take over the $166,831 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $41,960.48 is due at closing. Uses and sources reconcile at $208,791.97 each. Not a Closing Disclosure.