Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,209Cash toward the purchase price.
Closing costs + prepaids$9,498Not just lender fees.
Before credits & paid funds$49,707The complete starting cash picture.
Estimated remaining funds due at closing
$49,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,208.94
Your down payment$40,208.94
Closing costs + prepaids$9,497.91
Total buyer cash needed$49,706.85
Remaining funds due$49,706.85
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%)$2,129.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$863.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.25
Prepaid interest, first (23 days)$755.20
Fees + prepaids$9,497.91
Your down payment is the seller’s equity. You take over the $172,691 balance, so the rest of the $212,900 price is paid at closing. A second mortgage can cover part of it. $49,706.85 is due at closing. Uses and sources reconcile at $222,397.91 each. Not a Closing Disclosure.