Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,117Cash toward the purchase price.
Closing costs + prepaids$9,842Not just lender fees.
Before credits & paid funds$67,958The complete starting cash picture.
Estimated remaining funds due at closing
$67,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,116.81
Your down payment$58,116.81
Closing costs + prepaids$9,841.53
Total buyer cash needed$67,958.34
Remaining funds due$67,958.34
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$884.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$157.75
Initial HOA (3 months)$846.00
Prepaid interest, first (28 days)$385.36
Fees + prepaids$9,841.53
Your down payment is the seller’s equity. You take over the $176,883 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $67,958.34 is due at closing. Uses and sources reconcile at $244,841.53 each. Not a Closing Disclosure.