Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$14,258Cash toward the purchase price.
Closing costs + prepaids$8,679Not just lender fees.
Before credits & paid funds$22,937The complete starting cash picture.
Estimated remaining funds due at closing
$22,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,258.01
Your down payment$14,258.01
Closing costs + prepaids$8,679.47
Total buyer cash needed$22,937.47
Remaining funds due$22,937.47
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%)$1,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$918.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.00
Prepaid interest, first (2 days)$67.76
Fees + prepaids$8,679.47
Your down payment is the seller’s equity. You take over the $183,742 balance, so the rest of the $198,000 price is paid at closing. A second mortgage can cover part of it. $22,937.47 is due at closing. Uses and sources reconcile at $206,679.47 each. Not a Closing Disclosure.