Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,410Cash toward the purchase price.
Closing costs + prepaids$8,584Not just lender fees.
Before credits & paid funds$47,994The complete starting cash picture.
Estimated remaining funds due at closing
$47,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,409.90
Your down payment$39,409.90
Closing costs + prepaids$8,583.72
Total buyer cash needed$47,993.62
Remaining funds due$47,993.62
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%)$2,298.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$951.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$46.50
Prepaid interest, first (2 days)$69.27
Fees + prepaids$8,583.72
Your down payment is the seller’s equity. You take over the $190,390 balance, so the rest of the $229,800 price is paid at closing. A second mortgage can cover part of it. $47,993.62 is due at closing. Uses and sources reconcile at $238,383.72 each. Not a Closing Disclosure.