Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,021Cash toward the purchase price.
Closing costs + prepaids$9,176Not just lender fees.
Before credits & paid funds$62,197The complete starting cash picture.
Estimated remaining funds due at closing
$62,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,020.94
Your down payment$53,020.94
Closing costs + prepaids$9,176.27
Total buyer cash needed$62,197.21
Remaining funds due$62,197.21
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$809.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$643.00
Prepaid interest, first (26 days)$355.38
Fees + prepaids$9,176.27
Your down payment is the seller’s equity. You take over the $161,979 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $62,197.21 is due at closing. Uses and sources reconcile at $224,176.27 each. Not a Closing Disclosure.