Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,244Cash toward the purchase price.
Closing costs + prepaids$10,409Not just lender fees.
Before credits & paid funds$22,653The complete starting cash picture.
Estimated remaining funds due at closing
$22,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,243.59
Your down payment$12,243.59
Closing costs + prepaids$10,409.00
Total buyer cash needed$22,652.59
Remaining funds due$22,652.59
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%)$1,113.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$994.50
Prepaid interest, first (23 days)$732.72
Fees + prepaids$10,409.00
Your down payment is the seller’s equity. You take over the $222,756 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $22,652.59 is due at closing. Uses and sources reconcile at $245,409.00 each. Not a Closing Disclosure.