Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,048Cash toward the purchase price.
Closing costs + prepaids$10,047Not just lender fees.
Before credits & paid funds$40,095The complete starting cash picture.
Estimated remaining funds due at closing
$40,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,047.91
Your down payment$30,047.91
Closing costs + prepaids$10,046.81
Total buyer cash needed$40,094.72
Remaining funds due$40,094.72
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%)$2,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$984.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$665.50
Initial HOA (3 months)$360.00
Prepaid interest, first (23 days)$548.55
Fees + prepaids$10,046.81
Your down payment is the seller’s equity. You take over the $196,952 balance, so the rest of the $227,000 price is paid at closing. A second mortgage can cover part of it. $40,094.72 is due at closing. Uses and sources reconcile at $237,046.81 each. Not a Closing Disclosure.