Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,079Cash toward the purchase price.
Closing costs + prepaids$8,961Not just lender fees.
Before credits & paid funds$57,041The complete starting cash picture.
Estimated remaining funds due at closing
$57,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,079.46
Your down payment$48,079.46
Closing costs + prepaids$8,961.36
Total buyer cash needed$57,040.82
Remaining funds due$57,040.82
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$809.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (24 days)$308.76
Fees + prepaids$8,961.36
Your down payment is the seller’s equity. You take over the $161,921 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $57,040.82 is due at closing. Uses and sources reconcile at $218,961.36 each. Not a Closing Disclosure.