Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,651Cash toward the purchase price.
Closing costs + prepaids$10,058Not just lender fees.
Before credits & paid funds$14,710The complete starting cash picture.
Estimated remaining funds due at closing
$14,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,651.45
Your down payment$4,651.45
Closing costs + prepaids$10,058.42
Total buyer cash needed$14,709.87
Remaining funds due$14,709.87
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%)$2,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,076.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.00
Prepaid interest, first (31 days)$1,168.18
Fees + prepaids$10,058.42
Your down payment is the seller’s equity. You take over the $215,249 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $14,709.87 is due at closing. Uses and sources reconcile at $229,958.42 each. Not a Closing Disclosure.