Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$11,109Cash toward the purchase price.
Closing costs + prepaids$9,750Not just lender fees.
Before credits & paid funds$20,859The complete starting cash picture.
Estimated remaining funds due at closing
$20,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,109.17
Your down payment$11,109.17
Closing costs + prepaids$9,749.57
Total buyer cash needed$20,858.75
Remaining funds due$20,858.75
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,119.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.75
Initial HOA (3 months)$12.51
Prepaid interest, first (14 days)$608.86
Fees + prepaids$9,749.57
Your down payment is the seller’s equity. You take over the $223,891 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $20,858.75 is due at closing. Uses and sources reconcile at $244,749.57 each. Not a Closing Disclosure.