Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,239Cash toward the purchase price.
Closing costs + prepaids$9,923Not just lender fees.
Before credits & paid funds$19,162The complete starting cash picture.
Estimated remaining funds due at closing
$19,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,238.91
Your down payment$9,238.91
Closing costs + prepaids$9,922.83
Total buyer cash needed$19,161.74
Remaining funds due$19,161.74
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%)$2,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,048.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.00
Prepaid interest, first (28 days)$1,062.02
Fees + prepaids$9,922.83
Your down payment is the seller’s equity. You take over the $209,761 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $19,161.74 is due at closing. Uses and sources reconcile at $228,922.83 each. Not a Closing Disclosure.