Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,459Cash toward the purchase price.
Closing costs + prepaids$9,940Not just lender fees.
Before credits & paid funds$48,399The complete starting cash picture.
Estimated remaining funds due at closing
$48,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,459.38
Your down payment$38,459.38
Closing costs + prepaids$9,939.86
Total buyer cash needed$48,399.23
Remaining funds due$48,399.23
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$932.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$696.00
Prepaid interest, first (26 days)$844.65
Fees + prepaids$9,939.86
Your down payment is the seller’s equity. You take over the $186,441 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $48,399.23 is due at closing. Uses and sources reconcile at $234,839.86 each. Not a Closing Disclosure.