Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$10,159Cash toward the purchase price.
Closing costs + prepaids$9,644Not just lender fees.
Before credits & paid funds$19,803The complete starting cash picture.
Estimated remaining funds due at closing
$19,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,159.06
Your down payment$10,159.06
Closing costs + prepaids$9,644.40
Total buyer cash needed$19,803.46
Remaining funds due$19,803.46
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%)$2,265.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,081.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.75
Prepaid interest, first (17 days)$654.95
Fees + prepaids$9,644.40
Your down payment is the seller’s equity. You take over the $216,341 balance, so the rest of the $226,500 price is paid at closing. A second mortgage can cover part of it. $19,803.46 is due at closing. Uses and sources reconcile at $236,144.40 each. Not a Closing Disclosure.