Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$15,750Cash toward the purchase price.
Closing costs + prepaids$10,014Not just lender fees.
Before credits & paid funds$25,764The complete starting cash picture.
Estimated remaining funds due at closing
$25,764No 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$10,013.70
Total buyer cash needed$25,763.67
Remaining funds due$25,763.67
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)$240.00
Initial HOA (3 months)$1,482.00
Prepaid interest, first (10 days)$152.45
Fees + prepaids$10,013.70
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. $25,763.67 is due at closing. Uses and sources reconcile at $210,013.70 each. Not a Closing Disclosure.