Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,750Cash toward the purchase price.
Closing costs + prepaids$10,136Not just lender fees.
Before credits & paid funds$25,886The complete starting cash picture.
Estimated remaining funds due at closing
$25,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,749.97
Your down payment$15,749.97
Closing costs + prepaids$10,135.61
Total buyer cash needed$25,885.59
Remaining funds due$25,885.59
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$921.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$118.00
Initial HOA (3 months)$1,482.00
Prepaid interest, first (26 days)$396.36
Fees + prepaids$10,135.61
Your down payment is the seller’s equity. You take over the $184,250 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $25,885.59 is due at closing. Uses and sources reconcile at $210,135.61 each. Not a Closing Disclosure.