Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$18,523Cash toward the purchase price.
Closing costs + prepaids$9,533Not just lender fees.
Before credits & paid funds$28,056The complete starting cash picture.
Estimated remaining funds due at closing
$28,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,523.42
Your down payment$18,523.42
Closing costs + prepaids$9,532.83
Total buyer cash needed$28,056.25
Remaining funds due$28,056.25
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%)$1,082.38
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 (14 days)$588.70
Fees + prepaids$9,532.83
Your down payment is the seller’s equity. You take over the $216,477 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $28,056.25 is due at closing. Uses and sources reconcile at $244,532.83 each. Not a Closing Disclosure.