Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,353Cash toward the purchase price.
Closing costs + prepaids$9,263Not just lender fees.
Before credits & paid funds$39,617The complete starting cash picture.
Estimated remaining funds due at closing
$39,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,353.17
Your down payment$30,353.17
Closing costs + prepaids$9,263.37
Total buyer cash needed$39,616.54
Remaining funds due$39,616.54
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%)$2,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$230.75
Prepaid interest, first (31 days)$486.38
Fees + prepaids$9,263.37
Your down payment is the seller’s equity. You take over the $201,647 balance, so the rest of the $232,000 price is paid at closing. A second mortgage can cover part of it. $39,616.54 is due at closing. Uses and sources reconcile at $241,263.37 each. Not a Closing Disclosure.