Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,965Cash toward the purchase price.
Closing costs + prepaids$9,382Not just lender fees.
Before credits & paid funds$36,348The complete starting cash picture.
Estimated remaining funds due at closing
$36,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,965.21
Your down payment$26,965.21
Closing costs + prepaids$9,382.50
Total buyer cash needed$36,347.71
Remaining funds due$36,347.71
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$28.25
Prepaid interest, first (26 days)$551.07
Fees + prepaids$9,382.50
Your down payment is the seller’s equity. You take over the $221,035 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $36,347.71 is due at closing. Uses and sources reconcile at $257,382.50 each. Not a Closing Disclosure.