Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,210Cash toward the purchase price.
Closing costs + prepaids$9,475Not just lender fees.
Before credits & paid funds$55,685The complete starting cash picture.
Estimated remaining funds due at closing
$55,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,209.84
Your down payment$46,209.84
Closing costs + prepaids$9,474.95
Total buyer cash needed$55,684.78
Remaining funds due$55,684.78
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%)$843.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$675.48
Fees + prepaids$9,474.95
Your down payment is the seller’s equity. You take over the $168,790 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $55,684.78 is due at closing. Uses and sources reconcile at $224,474.95 each. Not a Closing Disclosure.