Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$23,463Cash toward the purchase price.
Closing costs + prepaids$9,830Not just lender fees.
Before credits & paid funds$33,292The complete starting cash picture.
Estimated remaining funds due at closing
$33,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,462.50
Your down payment$23,462.50
Closing costs + prepaids$9,829.57
Total buyer cash needed$33,292.08
Remaining funds due$33,292.08
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%)$2,188.65
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$977.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.25
Initial HOA (3 months)$435.00
Prepaid interest, first (17 days)$600.66
Fees + prepaids$9,829.57
Your down payment is the seller’s equity. You take over the $195,402 balance, so the rest of the $218,865 price is paid at closing. A second mortgage can cover part of it. $33,292.08 is due at closing. Uses and sources reconcile at $228,694.57 each. Not a Closing Disclosure.