Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,698Cash toward the purchase price.
Closing costs + prepaids$9,212Not just lender fees.
Before credits & paid funds$10,910The complete starting cash picture.
Estimated remaining funds due at closing
$10,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,697.57
Your down payment$1,697.57
Closing costs + prepaids$9,212.41
Total buyer cash needed$10,909.97
Remaining funds due$10,909.97
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,116.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$270.00
Prepaid interest, first (9 days)$357.90
Fees + prepaids$9,212.41
Your down payment is the seller’s equity. You take over the $223,302 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $10,909.97 is due at closing. Uses and sources reconcile at $234,212.41 each. Not a Closing Disclosure.