Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$17,800Cash toward the purchase price.
Closing costs + prepaids$9,081Not just lender fees.
Before credits & paid funds$26,880The complete starting cash picture.
Estimated remaining funds due at closing
$26,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,799.56
Your down payment$17,799.56
Closing costs + prepaids$9,080.51
Total buyer cash needed$26,880.07
Remaining funds due$26,880.07
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$910.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.75
Prepaid interest, first (17 days)$568.25
Fees + prepaids$9,080.51
Your down payment is the seller’s equity. You take over the $182,100 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $26,880.07 is due at closing. Uses and sources reconcile at $208,980.51 each. Not a Closing Disclosure.