Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,861Cash toward the purchase price.
Closing costs + prepaids$9,897Not just lender fees.
Before credits & paid funds$23,758The complete starting cash picture.
Estimated remaining funds due at closing
$23,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,861.47
Your down payment$13,861.47
Closing costs + prepaids$9,896.63
Total buyer cash needed$23,758.09
Remaining funds due$23,758.09
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%)$2,075.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$968.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (31 days)$1,116.68
Fees + prepaids$9,896.63
Your down payment is the seller’s equity. You take over the $193,639 balance, so the rest of the $207,500 price is paid at closing. A second mortgage can cover part of it. $23,758.09 is due at closing. Uses and sources reconcile at $217,396.63 each. Not a Closing Disclosure.