Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,019Cash toward the purchase price.
Closing costs + prepaids$9,733Not just lender fees.
Before credits & paid funds$35,752The complete starting cash picture.
Estimated remaining funds due at closing
$35,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,018.84
Your down payment$26,018.84
Closing costs + prepaids$9,732.66
Total buyer cash needed$35,751.50
Remaining funds due$35,751.50
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%)$944.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (24 days)$882.26
Fees + prepaids$9,732.66
Your down payment is the seller’s equity. You take over the $188,981 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $35,751.50 is due at closing. Uses and sources reconcile at $224,732.66 each. Not a Closing Disclosure.