Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,456Cash toward the purchase price.
Closing costs + prepaids$9,700Not just lender fees.
Before credits & paid funds$27,156The complete starting cash picture.
Estimated remaining funds due at closing
$27,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,456.29
Your down payment$17,456.29
Closing costs + prepaids$9,699.62
Total buyer cash needed$27,155.92
Remaining funds due$27,155.92
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%)$2,139.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$982.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$534.75
Prepaid interest, first (23 days)$825.66
Fees + prepaids$9,699.62
Your down payment is the seller’s equity. You take over the $196,444 balance, so the rest of the $213,900 price is paid at closing. A second mortgage can cover part of it. $27,155.92 is due at closing. Uses and sources reconcile at $223,599.62 each. Not a Closing Disclosure.