Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$13,461Cash toward the purchase price.
Closing costs + prepaids$8,998Not just lender fees.
Before credits & paid funds$22,458The complete starting cash picture.
Estimated remaining funds due at closing
$22,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,460.93
Your down payment$13,460.93
Closing costs + prepaids$8,997.54
Total buyer cash needed$22,458.47
Remaining funds due$22,458.47
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%)$2,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$977.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.25
Prepaid interest, first (13 days)$450.60
Fees + prepaids$8,997.54
Your down payment is the seller’s equity. You take over the $195,539 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $22,458.47 is due at closing. Uses and sources reconcile at $217,997.54 each. Not a Closing Disclosure.