Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$18,217Cash toward the purchase price.
Closing costs + prepaids$9,277Not just lender fees.
Before credits & paid funds$27,494The complete starting cash picture.
Estimated remaining funds due at closing
$27,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,216.78
Your down payment$18,216.78
Closing costs + prepaids$9,276.91
Total buyer cash needed$27,493.69
Remaining funds due$27,493.69
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%)$2,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,093.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$296.25
Prepaid interest, first (14 days)$298.74
Fees + prepaids$9,276.91
Your down payment is the seller’s equity. You take over the $218,783 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $27,493.69 is due at closing. Uses and sources reconcile at $246,276.91 each. Not a Closing Disclosure.