Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$11,902Cash toward the purchase price.
Closing costs + prepaids$9,063Not just lender fees.
Before credits & paid funds$20,965The complete starting cash picture.
Estimated remaining funds due at closing
$20,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,901.98
Your down payment$11,901.98
Closing costs + prepaids$9,063.38
Total buyer cash needed$20,965.36
Remaining funds due$20,965.36
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%)$1,015.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$258.00
Prepaid interest, first (17 days)$421.89
Fees + prepaids$9,063.38
Your down payment is the seller’s equity. You take over the $203,098 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $20,965.36 is due at closing. Uses and sources reconcile at $224,063.38 each. Not a Closing Disclosure.