Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,897Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$56,919The complete starting cash picture.
Estimated remaining funds due at closing
$56,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,897.48
Your down payment$46,897.48
Closing costs + prepaids$10,021.20
Total buyer cash needed$56,918.68
Remaining funds due$56,918.68
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%)$840.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,280.75
Prepaid interest, first (30 days)$531.94
Fees + prepaids$10,021.20
Your down payment is the seller’s equity. You take over the $168,103 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $56,918.68 is due at closing. Uses and sources reconcile at $225,021.20 each. Not a Closing Disclosure.