Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,858Cash toward the purchase price.
Closing costs + prepaids$9,819Not just lender fees.
Before credits & paid funds$28,677The complete starting cash picture.
Estimated remaining funds due at closing
$28,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,857.97
Your down payment$18,857.97
Closing costs + prepaids$9,818.61
Total buyer cash needed$28,676.59
Remaining funds due$28,676.59
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$905.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$164.75
Initial HOA (3 months)$690.00
Prepaid interest, first (27 days)$840.15
Fees + prepaids$9,818.61
Your down payment is the seller’s equity. You take over the $181,142 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $28,676.59 is due at closing. Uses and sources reconcile at $209,818.61 each. Not a Closing Disclosure.