Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$27,840Cash toward the purchase price.
Closing costs + prepaids$9,402Not just lender fees.
Before credits & paid funds$37,241The complete starting cash picture.
Estimated remaining funds due at closing
$37,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,839.55
Your down payment$27,839.55
Closing costs + prepaids$9,401.55
Total buyer cash needed$37,241.10
Remaining funds due$37,241.10
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,035.80
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 (16 days)$504.00
Fees + prepaids$9,401.55
Your down payment is the seller’s equity. You take over the $207,160 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $37,241.10 is due at closing. Uses and sources reconcile at $244,401.55 each. Not a Closing Disclosure.