Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,932Cash toward the purchase price.
Closing costs + prepaids$10,831Not just lender fees.
Before credits & paid funds$36,763The complete starting cash picture.
Estimated remaining funds due at closing
$36,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,932.45
Your down payment$25,932.45
Closing costs + prepaids$10,830.70
Total buyer cash needed$36,763.15
Remaining funds due$36,763.15
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.00
Initial HOA (3 months)$555.00
Prepaid interest, first (28 days)$1,034.36
Fees + prepaids$10,830.70
Your down payment is the seller’s equity. You take over the $203,068 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $36,763.15 is due at closing. Uses and sources reconcile at $239,830.70 each. Not a Closing Disclosure.