Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$7,283Cash toward the purchase price.
Closing costs + prepaids$9,903Not just lender fees.
Before credits & paid funds$17,186The complete starting cash picture.
Estimated remaining funds due at closing
$17,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,282.66
Your down payment$7,282.66
Closing costs + prepaids$9,903.24
Total buyer cash needed$17,185.90
Remaining funds due$17,185.90
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%)$2,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$988.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$157.50
Initial HOA (3 months)$705.00
Prepaid interest, first (22 days)$784.15
Fees + prepaids$9,903.24
Your down payment is the seller’s equity. You take over the $197,717 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $17,185.90 is due at closing. Uses and sources reconcile at $214,903.24 each. Not a Closing Disclosure.