Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,587Cash toward the purchase price.
Closing costs + prepaids$9,514Not just lender fees.
Before credits & paid funds$24,101The complete starting cash picture.
Estimated remaining funds due at closing
$24,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,586.54
Your down payment$14,586.54
Closing costs + prepaids$9,514.37
Total buyer cash needed$24,100.91
Remaining funds due$24,100.91
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%)$922.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$584.00
Prepaid interest, first (24 days)$800.30
Fees + prepaids$9,514.37
Your down payment is the seller’s equity. You take over the $184,413 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $24,100.91 is due at closing. Uses and sources reconcile at $208,514.37 each. Not a Closing Disclosure.