Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,813Cash toward the purchase price.
Closing costs + prepaids$9,768Not just lender fees.
Before credits & paid funds$46,581The complete starting cash picture.
Estimated remaining funds due at closing
$46,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,812.92
Your down payment$36,812.92
Closing costs + prepaids$9,768.14
Total buyer cash needed$46,581.06
Remaining funds due$46,581.06
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.50
Prepaid interest, first (25 days)$921.71
Fees + prepaids$9,768.14
Your down payment is the seller’s equity. You take over the $198,187 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $46,581.06 is due at closing. Uses and sources reconcile at $244,768.14 each. Not a Closing Disclosure.