Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,397Cash toward the purchase price.
Closing costs + prepaids$10,386Not just lender fees.
Before credits & paid funds$24,783The complete starting cash picture.
Estimated remaining funds due at closing
$24,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,397.18
Your down payment$14,397.18
Closing costs + prepaids$10,385.63
Total buyer cash needed$24,782.81
Remaining funds due$24,782.81
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,073.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.50
Prepaid interest, first (31 days)$1,232.11
Fees + prepaids$10,385.63
Your down payment is the seller’s equity. You take over the $214,603 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $24,782.81 is due at closing. Uses and sources reconcile at $239,385.63 each. Not a Closing Disclosure.