Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$31,851Cash toward the purchase price.
Closing costs + prepaids$10,495Not just lender fees.
Before credits & paid funds$42,347The complete starting cash picture.
Estimated remaining funds due at closing
$42,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,851.30
Your down payment$31,851.30
Closing costs + prepaids$10,495.27
Total buyer cash needed$42,346.57
Remaining funds due$42,346.57
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%)$2,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,060.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$610.00
Prepaid interest, first (30 days)$1,166.53
Fees + prepaids$10,495.27
Your down payment is the seller’s equity. You take over the $212,149 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $42,346.57 is due at closing. Uses and sources reconcile at $254,495.27 each. Not a Closing Disclosure.