Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,275Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$22,220The complete starting cash picture.
Estimated remaining funds due at closing
$22,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,274.87
Your down payment$12,274.87
Closing costs + prepaids$9,944.66
Total buyer cash needed$22,219.53
Remaining funds due$22,219.53
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$988.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$141.50
Initial HOA (3 months)$663.00
Prepaid interest, first (23 days)$833.53
Fees + prepaids$9,944.66
Your down payment is the seller’s equity. You take over the $197,725 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $22,219.53 is due at closing. Uses and sources reconcile at $219,944.66 each. Not a Closing Disclosure.