Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$62,333Cash toward the purchase price.
Closing costs + prepaids$9,216Not just lender fees.
Before credits & paid funds$71,549The complete starting cash picture.
Estimated remaining funds due at closing
$71,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,332.72
Your down payment$62,332.72
Closing costs + prepaids$9,215.86
Total buyer cash needed$71,548.58
Remaining funds due$71,548.58
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$837.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.00
Prepaid interest, first (17 days)$430.03
Fees + prepaids$9,215.86
Your down payment is the seller’s equity. You take over the $167,567 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $71,548.58 is due at closing. Uses and sources reconcile at $239,115.86 each. Not a Closing Disclosure.