Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,185Cash toward the purchase price.
Closing costs + prepaids$9,181Not just lender fees.
Before credits & paid funds$57,366The complete starting cash picture.
Estimated remaining funds due at closing
$57,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,184.62
Your down payment$48,184.62
Closing costs + prepaids$9,181.15
Total buyer cash needed$57,365.78
Remaining funds due$57,365.78
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%)$834.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$90.75
Prepaid interest, first (31 days)$888.33
Fees + prepaids$9,181.15
Your down payment is the seller’s equity. You take over the $166,815 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $57,365.78 is due at closing. Uses and sources reconcile at $224,181.15 each. Not a Closing Disclosure.