Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$5,263Cash toward the purchase price.
Closing costs + prepaids$10,185Not just lender fees.
Before credits & paid funds$15,448The complete starting cash picture.
Estimated remaining funds due at closing
$15,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,263.27
Your down payment$5,263.27
Closing costs + prepaids$10,184.81
Total buyer cash needed$15,448.09
Remaining funds due$15,448.09
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,123.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.75
Prepaid interest, first (30 days)$1,166.88
Fees + prepaids$10,184.81
Your down payment is the seller’s equity. You take over the $224,637 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $15,448.09 is due at closing. Uses and sources reconcile at $240,084.81 each. Not a Closing Disclosure.