Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,155Cash toward the purchase price.
Closing costs + prepaids$10,282Not just lender fees.
Before credits & paid funds$48,438The complete starting cash picture.
Estimated remaining funds due at closing
$48,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,155.16
Your down payment$38,155.16
Closing costs + prepaids$10,282.48
Total buyer cash needed$48,437.64
Remaining funds due$48,437.64
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$983.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$917.50
Prepaid interest, first (26 days)$814.25
Fees + prepaids$10,282.48
Your down payment is the seller’s equity. You take over the $196,745 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $48,437.64 is due at closing. Uses and sources reconcile at $245,182.48 each. Not a Closing Disclosure.