Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,489Cash toward the purchase price.
Closing costs + prepaids$8,913Not just lender fees.
Before credits & paid funds$36,402The complete starting cash picture.
Estimated remaining funds due at closing
$36,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,488.66
Your down payment$27,488.66
Closing costs + prepaids$8,913.00
Total buyer cash needed$36,401.66
Remaining funds due$36,401.66
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%)$2,149.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$937.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (2 days)$69.97
Fees + prepaids$8,913.00
Your down payment is the seller’s equity. You take over the $187,509 balance, so the rest of the $214,998 price is paid at closing. A second mortgage can cover part of it. $36,401.66 is due at closing. Uses and sources reconcile at $223,911.00 each. Not a Closing Disclosure.