Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,595Cash toward the purchase price.
Closing costs + prepaids$9,936Not just lender fees.
Before credits & paid funds$48,531The complete starting cash picture.
Estimated remaining funds due at closing
$48,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,594.93
Your down payment$38,594.93
Closing costs + prepaids$9,936.33
Total buyer cash needed$48,531.25
Remaining funds due$48,531.25
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$932.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (28 days)$973.80
Fees + prepaids$9,936.33
Your down payment is the seller’s equity. You take over the $186,405 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $48,531.25 is due at closing. Uses and sources reconcile at $234,936.33 each. Not a Closing Disclosure.