Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$22,004Cash toward the purchase price.
Closing costs + prepaids$10,260Not just lender fees.
Before credits & paid funds$32,263The complete starting cash picture.
Estimated remaining funds due at closing
$32,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,003.59
Your down payment$22,003.59
Closing costs + prepaids$10,259.76
Total buyer cash needed$32,263.35
Remaining funds due$32,263.35
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%)$2,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$595.00
Prepaid interest, first (25 days)$986.78
Fees + prepaids$10,259.76
Your down payment is the seller’s equity. You take over the $215,996 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $32,263.35 is due at closing. Uses and sources reconcile at $248,259.76 each. Not a Closing Disclosure.