Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$15,368Cash toward the purchase price.
Closing costs + prepaids$8,783Not just lender fees.
Before credits & paid funds$24,151The complete starting cash picture.
Estimated remaining funds due at closing
$24,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,367.92
Your down payment$15,367.92
Closing costs + prepaids$8,782.97
Total buyer cash needed$24,150.89
Remaining funds due$24,150.89
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%)$1,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$913.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.50
Prepaid interest, first (16 days)$424.31
Fees + prepaids$8,782.97
Your down payment is the seller’s equity. You take over the $182,632 balance, so the rest of the $198,000 price is paid at closing. A second mortgage can cover part of it. $24,150.89 is due at closing. Uses and sources reconcile at $206,782.97 each. Not a Closing Disclosure.