Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,901Cash toward the purchase price.
Closing costs + prepaids$12,277Not just lender fees.
Before credits & paid funds$38,178The complete starting cash picture.
Estimated remaining funds due at closing
$38,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,900.69
Your down payment$25,900.69
Closing costs + prepaids$12,277.39
Total buyer cash needed$38,178.08
Remaining funds due$38,178.08
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%)$2,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$970.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.50
Initial HOA (3 months)$1,950.00
Prepaid interest, first (30 days)$1,077.89
Fees + prepaids$12,277.39
Your down payment is the seller’s equity. You take over the $193,999 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $38,178.08 is due at closing. Uses and sources reconcile at $232,177.39 each. Not a Closing Disclosure.