Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$28,262Cash toward the purchase price.
Closing costs + prepaids$9,212Not just lender fees.
Before credits & paid funds$37,474The complete starting cash picture.
Estimated remaining funds due at closing
$37,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,261.85
Your down payment$28,261.85
Closing costs + prepaids$9,212.25
Total buyer cash needed$37,474.10
Remaining funds due$37,474.10
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.50
Prepaid interest, first (13 days)$398.06
Fees + prepaids$9,212.25
Your down payment is the seller’s equity. You take over the $201,738 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $37,474.10 is due at closing. Uses and sources reconcile at $239,212.25 each. Not a Closing Disclosure.