Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,875Cash toward the purchase price.
Closing costs + prepaids$10,224Not just lender fees.
Before credits & paid funds$20,099The complete starting cash picture.
Estimated remaining funds due at closing
$20,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,874.70
Your down payment$9,874.70
Closing costs + prepaids$10,224.25
Total buyer cash needed$20,098.96
Remaining funds due$20,098.96
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%)$1,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$900.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,263.25
Prepaid interest, first (28 days)$942.38
Fees + prepaids$10,224.25
Your down payment is the seller’s equity. You take over the $180,125 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $20,098.96 is due at closing. Uses and sources reconcile at $200,224.25 each. Not a Closing Disclosure.