Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,372Cash toward the purchase price.
Closing costs + prepaids$9,682Not just lender fees.
Before credits & paid funds$35,054The complete starting cash picture.
Estimated remaining funds due at closing
$35,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,371.99
Your down payment$25,371.99
Closing costs + prepaids$9,682.23
Total buyer cash needed$35,054.22
Remaining funds due$35,054.22
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,068.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$94.75
Prepaid interest, first (23 days)$911.34
Fees + prepaids$9,682.23
Your down payment is the seller’s equity. You take over the $213,628 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $35,054.22 is due at closing. Uses and sources reconcile at $248,682.23 each. Not a Closing Disclosure.