Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,469Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$45,436The complete starting cash picture.
Estimated remaining funds due at closing
$45,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,469.38
Your down payment$35,469.38
Closing costs + prepaids$9,966.18
Total buyer cash needed$45,435.57
Remaining funds due$45,435.57
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%)$2,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,010.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$657.75
Prepaid interest, first (23 days)$705.28
Fees + prepaids$9,966.18
Your down payment is the seller’s equity. You take over the $202,031 balance, so the rest of the $237,500 price is paid at closing. A second mortgage can cover part of it. $45,435.57 is due at closing. Uses and sources reconcile at $247,466.18 each. Not a Closing Disclosure.