Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$36,442Cash toward the purchase price.
Closing costs + prepaids$9,829Not just lender fees.
Before credits & paid funds$46,272The complete starting cash picture.
Estimated remaining funds due at closing
$46,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,442.12
Your down payment$36,442.12
Closing costs + prepaids$9,829.46
Total buyer cash needed$46,271.58
Remaining funds due$46,271.58
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%)$2,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,152.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.75
Prepaid interest, first (13 days)$454.93
Fees + prepaids$9,829.46
Your down payment is the seller’s equity. You take over the $230,558 balance, so the rest of the $267,000 price is paid at closing. A second mortgage can cover part of it. $46,271.58 is due at closing. Uses and sources reconcile at $276,829.46 each. Not a Closing Disclosure.