Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,987Cash toward the purchase price.
Closing costs + prepaids$9,479Not just lender fees.
Before credits & paid funds$33,466The complete starting cash picture.
Estimated remaining funds due at closing
$33,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,987.43
Your down payment$23,987.43
Closing costs + prepaids$9,478.88
Total buyer cash needed$33,466.31
Remaining funds due$33,466.31
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%)$955.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$353.25
Prepaid interest, first (24 days)$802.57
Fees + prepaids$9,478.88
Your down payment is the seller’s equity. You take over the $191,013 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $33,466.31 is due at closing. Uses and sources reconcile at $224,478.88 each. Not a Closing Disclosure.