Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,712Cash toward the purchase price.
Closing costs + prepaids$10,407Not just lender fees.
Before credits & paid funds$36,119The complete starting cash picture.
Estimated remaining funds due at closing
$36,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,712.33
Your down payment$25,712.33
Closing costs + prepaids$10,407.09
Total buyer cash needed$36,119.42
Remaining funds due$36,119.42
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%)$1,046.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (31 days)$1,205.15
Fees + prepaids$10,407.09
Your down payment is the seller’s equity. You take over the $209,288 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $36,119.42 is due at closing. Uses and sources reconcile at $245,407.09 each. Not a Closing Disclosure.