Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$5,555Cash toward the purchase price.
Closing costs + prepaids$9,601Not just lender fees.
Before credits & paid funds$15,156The complete starting cash picture.
Estimated remaining funds due at closing
$15,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,554.54
Your down payment$5,554.54
Closing costs + prepaids$9,601.14
Total buyer cash needed$15,155.67
Remaining funds due$15,155.67
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,147.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$293.75
Prepaid interest, first (15 days)$592.16
Fees + prepaids$9,601.14
Your down payment is the seller’s equity. You take over the $229,445 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $15,155.67 is due at closing. Uses and sources reconcile at $244,601.14 each. Not a Closing Disclosure.