Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$39,613Cash toward the purchase price.
Closing costs + prepaids$9,344Not just lender fees.
Before credits & paid funds$48,957The complete starting cash picture.
Estimated remaining funds due at closing
$48,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,613.36
Your down payment$39,613.36
Closing costs + prepaids$9,343.79
Total buyer cash needed$48,957.15
Remaining funds due$48,957.15
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%)$2,298.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$46.50
Prepaid interest, first (24 days)$830.36
Fees + prepaids$9,343.79
Your down payment is the seller’s equity. You take over the $190,187 balance, so the rest of the $229,800 price is paid at closing. A second mortgage can cover part of it. $48,957.15 is due at closing. Uses and sources reconcile at $239,143.79 each. Not a Closing Disclosure.