Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,635Cash toward the purchase price.
Closing costs + prepaids$10,593Not just lender fees.
Before credits & paid funds$25,228The complete starting cash picture.
Estimated remaining funds due at closing
$25,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,635.19
Your down payment$14,635.19
Closing costs + prepaids$10,592.87
Total buyer cash needed$25,228.06
Remaining funds due$25,228.06
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%)$2,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$966.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,228.25
Prepaid interest, first (30 days)$1,099.80
Fees + prepaids$10,592.87
Your down payment is the seller’s equity. You take over the $193,365 balance, so the rest of the $208,000 price is paid at closing. A second mortgage can cover part of it. $25,228.06 is due at closing. Uses and sources reconcile at $218,592.87 each. Not a Closing Disclosure.