Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,384Cash toward the purchase price.
Closing costs + prepaids$10,001Not just lender fees.
Before credits & paid funds$52,385The complete starting cash picture.
Estimated remaining funds due at closing
$52,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,383.97
Your down payment$42,383.97
Closing costs + prepaids$10,000.63
Total buyer cash needed$52,384.61
Remaining funds due$52,384.61
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$933.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$938.25
Prepaid interest, first (31 days)$621.30
Fees + prepaids$10,000.63
Your down payment is the seller’s equity. You take over the $186,616 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $52,384.61 is due at closing. Uses and sources reconcile at $239,000.63 each. Not a Closing Disclosure.