Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,795Cash toward the purchase price.
Closing costs + prepaids$10,107Not just lender fees.
Before credits & paid funds$26,902The complete starting cash picture.
Estimated remaining funds due at closing
$26,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,794.73
Your down payment$16,794.73
Closing costs + prepaids$10,106.85
Total buyer cash needed$26,901.58
Remaining funds due$26,901.58
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%)$2,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,011.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$547.50
Prepaid interest, first (31 days)$1,140.33
Fees + prepaids$10,106.85
Your down payment is the seller’s equity. You take over the $202,205 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $26,901.58 is due at closing. Uses and sources reconcile at $229,106.85 each. Not a Closing Disclosure.