Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$13,755Cash toward the purchase price.
Closing costs + prepaids$9,536Not just lender fees.
Before credits & paid funds$23,291The complete starting cash picture.
Estimated remaining funds due at closing
$23,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,755.35
Your down payment$13,755.35
Closing costs + prepaids$9,536.06
Total buyer cash needed$23,291.40
Remaining funds due$23,291.40
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,006.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$316.00
Prepaid interest, first (23 days)$845.83
Fees + prepaids$9,536.06
Your down payment is the seller’s equity. You take over the $201,245 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $23,291.40 is due at closing. Uses and sources reconcile at $224,536.06 each. Not a Closing Disclosure.