Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$902Cash toward the purchase price.
Closing costs + prepaids$10,585Not just lender fees.
Before credits & paid funds$11,487The complete starting cash picture.
Estimated remaining funds due at closing
$11,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$901.53
Your down payment$901.53
Closing costs + prepaids$10,585.35
Total buyer cash needed$11,486.88
Remaining funds due$11,486.88
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%)$2,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$835.75
Prepaid interest, first (29 days)$1,251.11
Fees + prepaids$10,585.35
Your down payment is the seller’s equity. You take over the $218,098 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $11,486.88 is due at closing. Uses and sources reconcile at $229,585.35 each. Not a Closing Disclosure.