Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$46,670Cash toward the purchase price.
Closing costs + prepaids$9,302Not just lender fees.
Before credits & paid funds$55,972The complete starting cash picture.
Estimated remaining funds due at closing
$55,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,669.86
Your down payment$46,669.86
Closing costs + prepaids$9,302.05
Total buyer cash needed$55,971.91
Remaining funds due$55,971.91
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%)$2,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$964.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.00
Prepaid interest, first (2 days)$29.90
Fees + prepaids$9,302.05
Your down payment is the seller’s equity. You take over the $192,830 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $55,971.91 is due at closing. Uses and sources reconcile at $248,802.05 each. Not a Closing Disclosure.