Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$38,285Cash toward the purchase price.
Closing costs + prepaids$9,223Not just lender fees.
Before credits & paid funds$47,507The complete starting cash picture.
Estimated remaining funds due at closing
$47,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,284.71
Your down payment$38,284.71
Closing costs + prepaids$9,222.58
Total buyer cash needed$47,507.30
Remaining funds due$47,507.30
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$933.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.00
Prepaid interest, first (12 days)$399.01
Fees + prepaids$9,222.58
Your down payment is the seller’s equity. You take over the $186,715 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $47,507.30 is due at closing. Uses and sources reconcile at $234,222.58 each. Not a Closing Disclosure.