Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,012Cash toward the purchase price.
Closing costs + prepaids$8,809Not just lender fees.
Before credits & paid funds$48,822The complete starting cash picture.
Estimated remaining funds due at closing
$48,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,012.10
Your down payment$40,012.10
Closing costs + prepaids$8,809.43
Total buyer cash needed$48,821.54
Remaining funds due$48,821.54
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%)$2,129.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$864.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.25
Prepaid interest, first (2 days)$65.74
Fees + prepaids$8,809.43
Your down payment is the seller’s equity. You take over the $172,888 balance, so the rest of the $212,900 price is paid at closing. A second mortgage can cover part of it. $48,821.54 is due at closing. Uses and sources reconcile at $221,709.43 each. Not a Closing Disclosure.