Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,326Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$47,485The complete starting cash picture.
Estimated remaining funds due at closing
$47,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,326.03
Your down payment$37,326.03
Closing costs + prepaids$10,159.14
Total buyer cash needed$47,485.17
Remaining funds due$47,485.17
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$597.50
Prepaid interest, first (26 days)$945.27
Fees + prepaids$10,159.14
Your down payment is the seller’s equity. You take over the $201,674 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $47,485.17 is due at closing. Uses and sources reconcile at $249,159.14 each. Not a Closing Disclosure.