Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$4,710Cash toward the purchase price.
Closing costs + prepaids$9,818Not just lender fees.
Before credits & paid funds$14,528The complete starting cash picture.
Estimated remaining funds due at closing
$14,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,709.97
Your down payment$4,709.97
Closing costs + prepaids$9,817.99
Total buyer cash needed$14,527.96
Remaining funds due$14,527.96
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%)$2,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,066.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.75
Prepaid interest, first (26 days)$926.79
Fees + prepaids$9,817.99
Your down payment is the seller’s equity. You take over the $213,290 balance, so the rest of the $218,000 price is paid at closing. A second mortgage can cover part of it. $14,527.96 is due at closing. Uses and sources reconcile at $227,817.99 each. Not a Closing Disclosure.