Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$4,809Cash toward the purchase price.
Closing costs + prepaids$9,629Not just lender fees.
Before credits & paid funds$14,438The complete starting cash picture.
Estimated remaining funds due at closing
$14,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,809.30
Your down payment$4,809.30
Closing costs + prepaids$9,629.00
Total buyer cash needed$14,438.30
Remaining funds due$14,438.30
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%)$2,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,060.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.25
Initial HOA (3 months)$405.00
Prepaid interest, first (14 days)$503.79
Fees + prepaids$9,629.00
Your down payment is the seller’s equity. You take over the $212,191 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $14,438.30 is due at closing. Uses and sources reconcile at $226,629.00 each. Not a Closing Disclosure.