Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,375Cash toward the purchase price.
Closing costs + prepaids$9,593Not just lender fees.
Before credits & paid funds$31,968The complete starting cash picture.
Estimated remaining funds due at closing
$31,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,374.94
Your down payment$22,374.94
Closing costs + prepaids$9,592.87
Total buyer cash needed$31,967.81
Remaining funds due$31,967.81
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$937.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.75
Prepaid interest, first (26 days)$813.50
Fees + prepaids$9,592.87
Your down payment is the seller’s equity. You take over the $187,525 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $31,967.81 is due at closing. Uses and sources reconcile at $219,492.87 each. Not a Closing Disclosure.