Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$57,932Cash toward the purchase price.
Closing costs + prepaids$9,807Not just lender fees.
Before credits & paid funds$67,739The complete starting cash picture.
Estimated remaining funds due at closing
$67,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,931.87
Your down payment$57,931.87
Closing costs + prepaids$9,807.14
Total buyer cash needed$67,739.01
Remaining funds due$67,739.01
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%)$2,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$784.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$548.00
Initial HOA (3 months)$1,020.00
Prepaid interest, first (5 days)$87.30
Fees + prepaids$9,807.14
Your down payment is the seller’s equity. You take over the $156,968 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $67,739.01 is due at closing. Uses and sources reconcile at $224,707.14 each. Not a Closing Disclosure.