Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,752Cash toward the purchase price.
Closing costs + prepaids$9,727Not just lender fees.
Before credits & paid funds$29,479The complete starting cash picture.
Estimated remaining funds due at closing
$29,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,751.64
Your down payment$19,751.64
Closing costs + prepaids$9,727.42
Total buyer cash needed$29,479.07
Remaining funds due$29,479.07
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$211.75
Prepaid interest, first (28 days)$1,022.93
Fees + prepaids$9,727.42
Your down payment is the seller’s equity. You take over the $205,148 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $29,479.07 is due at closing. Uses and sources reconcile at $234,627.42 each. Not a Closing Disclosure.