Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$44,128Cash toward the purchase price.
Closing costs + prepaids$9,301Not just lender fees.
Before credits & paid funds$53,429The complete starting cash picture.
Estimated remaining funds due at closing
$53,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,127.93
Your down payment$44,127.93
Closing costs + prepaids$9,300.92
Total buyer cash needed$53,428.85
Remaining funds due$53,428.85
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$978.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Prepaid interest, first (16 days)$405.06
Fees + prepaids$9,300.92
Your down payment is the seller’s equity. You take over the $195,772 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $53,428.85 is due at closing. Uses and sources reconcile at $249,200.92 each. Not a Closing Disclosure.