Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,960Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$56,702The complete starting cash picture.
Estimated remaining funds due at closing
$56,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,960.25
Your down payment$45,960.25
Closing costs + prepaids$10,741.51
Total buyer cash needed$56,701.76
Remaining funds due$56,701.76
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$820.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$840.50
Initial HOA (3 months)$1,419.00
Prepaid interest, first (25 days)$343.81
Fees + prepaids$10,741.51
Your down payment is the seller’s equity. You take over the $164,040 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $56,701.76 is due at closing. Uses and sources reconcile at $220,741.51 each. Not a Closing Disclosure.