Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$47,772Cash toward the purchase price.
Closing costs + prepaids$10,361Not just lender fees.
Before credits & paid funds$58,134The complete starting cash picture.
Estimated remaining funds due at closing
$58,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,772.36
Your down payment$47,772.36
Closing costs + prepaids$10,361.39
Total buyer cash needed$58,133.75
Remaining funds due$58,133.75
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%)$2,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$835.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,532.00
Prepaid interest, first (29 days)$626.75
Fees + prepaids$10,361.39
Your down payment is the seller’s equity. You take over the $167,128 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $58,133.75 is due at closing. Uses and sources reconcile at $225,261.39 each. Not a Closing Disclosure.