Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$21,618Cash toward the purchase price.
Closing costs + prepaids$9,983Not just lender fees.
Before credits & paid funds$31,602The complete starting cash picture.
Estimated remaining funds due at closing
$31,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,618.40
Your down payment$21,618.40
Closing costs + prepaids$9,983.49
Total buyer cash needed$31,601.90
Remaining funds due$31,601.90
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,041.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.50
Initial HOA (3 months)$447.00
Prepaid interest, first (17 days)$689.09
Fees + prepaids$9,983.49
Your down payment is the seller’s equity. You take over the $208,382 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $31,601.90 is due at closing. Uses and sources reconcile at $239,983.49 each. Not a Closing Disclosure.