Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$1,106Cash toward the purchase price.
Closing costs + prepaids$10,338Not just lender fees.
Before credits & paid funds$11,444The complete starting cash picture.
Estimated remaining funds due at closing
$11,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,105.73
Your down payment$1,105.73
Closing costs + prepaids$10,338.10
Total buyer cash needed$11,443.82
Remaining funds due$11,443.82
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,119.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$738.50
Prepaid interest, first (22 days)$1,012.12
Fees + prepaids$10,338.10
Your down payment is the seller’s equity. You take over the $223,894 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $11,443.82 is due at closing. Uses and sources reconcile at $235,338.10 each. Not a Closing Disclosure.