Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,777Cash toward the purchase price.
Closing costs + prepaids$10,466Not just lender fees.
Before credits & paid funds$28,243The complete starting cash picture.
Estimated remaining funds due at closing
$28,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,777.10
Your down payment$17,777.10
Closing costs + prepaids$10,465.70
Total buyer cash needed$28,242.80
Remaining funds due$28,242.80
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%)$2,089.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$955.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,390.00
Prepaid interest, first (24 days)$813.08
Fees + prepaids$10,465.70
Your down payment is the seller’s equity. You take over the $191,123 balance, so the rest of the $208,900 price is paid at closing. A second mortgage can cover part of it. $28,242.80 is due at closing. Uses and sources reconcile at $219,365.70 each. Not a Closing Disclosure.