Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,527Cash toward the purchase price.
Closing costs + prepaids$10,027Not just lender fees.
Before credits & paid funds$43,553The complete starting cash picture.
Estimated remaining funds due at closing
$43,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,526.50
Your down payment$33,526.50
Closing costs + prepaids$10,026.62
Total buyer cash needed$43,553.13
Remaining funds due$43,553.13
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%)$1,027.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.25
Prepaid interest, first (30 days)$1,042.00
Fees + prepaids$10,026.62
Your down payment is the seller’s equity. You take over the $205,473 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $43,553.13 is due at closing. Uses and sources reconcile at $249,026.62 each. Not a Closing Disclosure.