Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,837Cash toward the purchase price.
Closing costs + prepaids$9,371Not just lender fees.
Before credits & paid funds$32,208The complete starting cash picture.
Estimated remaining funds due at closing
$32,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,836.69
Your down payment$22,836.69
Closing costs + prepaids$9,370.94
Total buyer cash needed$32,207.64
Remaining funds due$32,207.64
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%)$2,110.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$940.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$169.25
Prepaid interest, first (26 days)$932.88
Fees + prepaids$9,370.94
Your down payment is the seller’s equity. You take over the $188,163 balance, so the rest of the $211,000 price is paid at closing. A second mortgage can cover part of it. $32,207.64 is due at closing. Uses and sources reconcile at $220,370.94 each. Not a Closing Disclosure.