Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,629Cash toward the purchase price.
Closing costs + prepaids$8,646Not just lender fees.
Before credits & paid funds$25,275The complete starting cash picture.
Estimated remaining funds due at closing
$25,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,629.14
Your down payment$16,629.14
Closing costs + prepaids$8,646.19
Total buyer cash needed$25,275.32
Remaining funds due$25,275.32
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%)$1,988.29
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$911.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$497.00
Prepaid interest, first (1 days)$31.90
Fees + prepaids$8,646.19
Your down payment is the seller’s equity. You take over the $182,200 balance, so the rest of the $198,829 price is paid at closing. A second mortgage can cover part of it. $25,275.32 is due at closing. Uses and sources reconcile at $207,475.19 each. Not a Closing Disclosure.