Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$28,694Cash toward the purchase price.
Closing costs + prepaids$9,138Not just lender fees.
Before credits & paid funds$37,832The complete starting cash picture.
Estimated remaining funds due at closing
$37,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,693.89
Your down payment$28,693.89
Closing costs + prepaids$9,137.97
Total buyer cash needed$37,831.86
Remaining funds due$37,831.86
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$931.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.25
Prepaid interest, first (14 days)$435.19
Fees + prepaids$9,137.97
Your down payment is the seller’s equity. You take over the $186,306 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $37,831.86 is due at closing. Uses and sources reconcile at $224,137.97 each. Not a Closing Disclosure.