Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$10,483Cash toward the purchase price.
Closing costs + prepaids$10,655Not just lender fees.
Before credits & paid funds$21,138The complete starting cash picture.
Estimated remaining funds due at closing
$21,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,482.90
Your down payment$10,482.90
Closing costs + prepaids$10,655.33
Total buyer cash needed$21,138.23
Remaining funds due$21,138.23
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,142.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$597.50
Prepaid interest, first (30 days)$1,307.24
Fees + prepaids$10,655.33
Your down payment is the seller’s equity. You take over the $228,517 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $21,138.23 is due at closing. Uses and sources reconcile at $249,655.33 each. Not a Closing Disclosure.