Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$11,460Cash toward the purchase price.
Closing costs + prepaids$8,891Not just lender fees.
Before credits & paid funds$20,351The complete starting cash picture.
Estimated remaining funds due at closing
$20,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,460.28
Your down payment$11,460.28
Closing costs + prepaids$8,890.69
Total buyer cash needed$20,350.97
Remaining funds due$20,350.97
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,017.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$455.25
Prepaid interest, first (2 days)$49.74
Fees + prepaids$8,890.69
Your down payment is the seller’s equity. You take over the $203,540 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $20,350.97 is due at closing. Uses and sources reconcile at $223,890.69 each. Not a Closing Disclosure.