Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$19,282Cash toward the purchase price.
Closing costs + prepaids$9,702Not just lender fees.
Before credits & paid funds$28,984The complete starting cash picture.
Estimated remaining funds due at closing
$28,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,282.50
Your down payment$19,282.50
Closing costs + prepaids$9,701.86
Total buyer cash needed$28,984.36
Remaining funds due$28,984.36
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%)$2,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$978.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.50
Prepaid interest, first (27 days)$962.28
Fees + prepaids$9,701.86
Your down payment is the seller’s equity. You take over the $195,618 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $28,984.36 is due at closing. Uses and sources reconcile at $224,601.86 each. Not a Closing Disclosure.