Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$20,005Cash toward the purchase price.
Closing costs + prepaids$8,955Not just lender fees.
Before credits & paid funds$28,960The complete starting cash picture.
Estimated remaining funds due at closing
$28,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,005.14
Your down payment$20,005.14
Closing costs + prepaids$8,955.16
Total buyer cash needed$28,960.30
Remaining funds due$28,960.30
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%)$1,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$859.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$897.25
Prepaid interest, first (2 days)$59.94
Fees + prepaids$8,955.16
Your down payment is the seller’s equity. You take over the $171,995 balance, so the rest of the $192,000 price is paid at closing. A second mortgage can cover part of it. $28,960.30 is due at closing. Uses and sources reconcile at $200,955.16 each. Not a Closing Disclosure.