Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,901Cash toward the purchase price.
Closing costs + prepaids$9,460Not just lender fees.
Before credits & paid funds$32,361The complete starting cash picture.
Estimated remaining funds due at closing
$32,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,901.27
Your down payment$22,901.27
Closing costs + prepaids$9,460.00
Total buyer cash needed$32,361.27
Remaining funds due$32,361.27
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%)$1,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$859.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.25
Prepaid interest, first (30 days)$945.76
Fees + prepaids$9,460.00
Your down payment is the seller’s equity. You take over the $171,999 balance, so the rest of the $194,900 price is paid at closing. A second mortgage can cover part of it. $32,361.27 is due at closing. Uses and sources reconcile at $204,360.00 each. Not a Closing Disclosure.