Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,796Cash toward the purchase price.
Closing costs + prepaids$10,548Not just lender fees.
Before credits & paid funds$46,344The complete starting cash picture.
Estimated remaining funds due at closing
$46,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,795.85
Your down payment$35,795.85
Closing costs + prepaids$10,548.22
Total buyer cash needed$46,344.07
Remaining funds due$46,344.07
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%)$2,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,156.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$742.00
Initial HOA (3 months)$33.75
Prepaid interest, first (23 days)$728.45
Fees + prepaids$10,548.22
Your down payment is the seller’s equity. You take over the $231,204 balance, so the rest of the $267,000 price is paid at closing. A second mortgage can cover part of it. $46,344.07 is due at closing. Uses and sources reconcile at $277,548.22 each. Not a Closing Disclosure.