Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,324Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$45,413The complete starting cash picture.
Estimated remaining funds due at closing
$45,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,324.22
Your down payment$34,324.22
Closing costs + prepaids$11,088.34
Total buyer cash needed$45,412.56
Remaining funds due$45,412.56
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%)$2,160.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,691.00
Prepaid interest, first (30 days)$1,110.96
Fees + prepaids$11,088.34
Your down payment is the seller’s equity. You take over the $181,676 balance, so the rest of the $216,000 price is paid at closing. A second mortgage can cover part of it. $45,412.56 is due at closing. Uses and sources reconcile at $227,088.34 each. Not a Closing Disclosure.