Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$11,402Cash toward the purchase price.
Closing costs + prepaids$9,027Not just lender fees.
Before credits & paid funds$20,430The complete starting cash picture.
Estimated remaining funds due at closing
$20,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,402.24
Your down payment$11,402.24
Closing costs + prepaids$9,027.50
Total buyer cash needed$20,429.73
Remaining funds due$20,429.73
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%)$2,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$967.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$256.25
Prepaid interest, first (15 days)$536.76
Fees + prepaids$9,027.50
Your down payment is the seller’s equity. You take over the $193,498 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $20,429.73 is due at closing. Uses and sources reconcile at $213,927.50 each. Not a Closing Disclosure.