Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,295Cash toward the purchase price.
Closing costs + prepaids$9,965Not just lender fees.
Before credits & paid funds$57,259The complete starting cash picture.
Estimated remaining funds due at closing
$57,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,294.90
Your down payment$47,294.90
Closing costs + prepaids$9,964.51
Total buyer cash needed$57,259.40
Remaining funds due$57,259.40
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%)$2,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$948.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$592.50
Prepaid interest, first (25 days)$835.48
Fees + prepaids$9,964.51
Your down payment is the seller’s equity. You take over the $189,705 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $57,259.40 is due at closing. Uses and sources reconcile at $246,964.51 each. Not a Closing Disclosure.