Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$18,778Cash toward the purchase price.
Closing costs + prepaids$9,391Not just lender fees.
Before credits & paid funds$28,169The complete starting cash picture.
Estimated remaining funds due at closing
$28,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,778.18
Your down payment$18,778.18
Closing costs + prepaids$9,391.03
Total buyer cash needed$28,169.21
Remaining funds due$28,169.21
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%)$2,249.01
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,030.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.75
Prepaid interest, first (16 days)$471.65
Fees + prepaids$9,391.03
Your down payment is the seller’s equity. You take over the $206,123 balance, so the rest of the $224,901 price is paid at closing. A second mortgage can cover part of it. $28,169.21 is due at closing. Uses and sources reconcile at $234,292.03 each. Not a Closing Disclosure.