Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,940Cash toward the purchase price.
Closing costs + prepaids$9,139Not just lender fees.
Before credits & paid funds$62,080The complete starting cash picture.
Estimated remaining funds due at closing
$62,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,940.45
Your down payment$52,940.45
Closing costs + prepaids$9,139.46
Total buyer cash needed$62,079.92
Remaining funds due$62,079.92
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$810.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.00
Initial HOA (3 months)$312.99
Prepaid interest, first (31 days)$421.18
Fees + prepaids$9,139.46
Your down payment is the seller’s equity. You take over the $162,060 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $62,079.92 is due at closing. Uses and sources reconcile at $224,139.46 each. Not a Closing Disclosure.