Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$21,289Cash toward the purchase price.
Closing costs + prepaids$10,188Not just lender fees.
Before credits & paid funds$31,477The complete starting cash picture.
Estimated remaining funds due at closing
$31,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,288.76
Your down payment$21,288.76
Closing costs + prepaids$10,188.16
Total buyer cash needed$31,476.92
Remaining funds due$31,476.92
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%)$2,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,091.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$507.00
Prepaid interest, first (24 days)$977.11
Fees + prepaids$10,188.16
Your down payment is the seller’s equity. You take over the $218,211 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $31,476.92 is due at closing. Uses and sources reconcile at $249,688.16 each. Not a Closing Disclosure.