Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,712Cash toward the purchase price.
Closing costs + prepaids$10,096Not just lender fees.
Before credits & paid funds$35,808The complete starting cash picture.
Estimated remaining funds due at closing
$35,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,712.33
Your down payment$25,712.33
Closing costs + prepaids$10,096.08
Total buyer cash needed$35,808.41
Remaining funds due$35,808.41
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%)$1,046.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (23 days)$894.15
Fees + prepaids$10,096.08
Your down payment is the seller’s equity. You take over the $209,288 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $35,808.41 is due at closing. Uses and sources reconcile at $245,096.08 each. Not a Closing Disclosure.