Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$17,112Cash toward the purchase price.
Closing costs + prepaids$9,702Not just lender fees.
Before credits & paid funds$26,814The complete starting cash picture.
Estimated remaining funds due at closing
$26,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,111.78
Your down payment$17,111.78
Closing costs + prepaids$9,702.33
Total buyer cash needed$26,814.11
Remaining funds due$26,814.11
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%)$2,239.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,033.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$559.75
Prepaid interest, first (18 days)$651.64
Fees + prepaids$9,702.33
Your down payment is the seller’s equity. You take over the $206,788 balance, so the rest of the $223,900 price is paid at closing. A second mortgage can cover part of it. $26,814.11 is due at closing. Uses and sources reconcile at $233,602.33 each. Not a Closing Disclosure.