Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,065Cash toward the purchase price.
Closing costs + prepaids$11,670Not just lender fees.
Before credits & paid funds$51,736The complete starting cash picture.
Estimated remaining funds due at closing
$51,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,065.39
Your down payment$40,065.39
Closing costs + prepaids$11,670.41
Total buyer cash needed$51,735.80
Remaining funds due$51,735.80
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%)$2,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$849.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$728.50
Initial HOA (3 months)$1,800.00
Prepaid interest, first (30 days)$975.73
Fees + prepaids$11,670.41
Your down payment is the seller’s equity. You take over the $169,835 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $51,735.80 is due at closing. Uses and sources reconcile at $221,570.41 each. Not a Closing Disclosure.