Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$15,688Cash toward the purchase price.
Closing costs + prepaids$9,956Not just lender fees.
Before credits & paid funds$25,644The complete starting cash picture.
Estimated remaining funds due at closing
$25,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,688.08
Your down payment$15,688.08
Closing costs + prepaids$9,955.91
Total buyer cash needed$25,643.99
Remaining funds due$25,643.99
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,046.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.25
Prepaid interest, first (28 days)$1,110.60
Fees + prepaids$9,955.91
Your down payment is the seller’s equity. You take over the $209,212 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $25,643.99 is due at closing. Uses and sources reconcile at $234,855.91 each. Not a Closing Disclosure.