Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$19,970Cash toward the purchase price.
Closing costs + prepaids$11,227Not just lender fees.
Before credits & paid funds$31,198The complete starting cash picture.
Estimated remaining funds due at closing
$31,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,970.17
Your down payment$19,970.17
Closing costs + prepaids$11,227.38
Total buyer cash needed$31,197.55
Remaining funds due$31,197.55
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,099.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.00
Initial HOA (3 months)$2,115.00
Prepaid interest, first (6 days)$107.74
Fees + prepaids$11,227.38
Your down payment is the seller’s equity. You take over the $219,930 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $31,197.55 is due at closing. Uses and sources reconcile at $251,127.38 each. Not a Closing Disclosure.