Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$47,134Cash toward the purchase price.
Closing costs + prepaids$9,613Not just lender fees.
Before credits & paid funds$56,747The complete starting cash picture.
Estimated remaining funds due at closing
$56,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,133.88
Your down payment$47,133.88
Closing costs + prepaids$9,612.87
Total buyer cash needed$56,746.76
Remaining funds due$56,746.76
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%)$961.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.00
Prepaid interest, first (23 days)$343.04
Fees + prepaids$9,612.87
Your down payment is the seller’s equity. You take over the $192,366 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $56,746.76 is due at closing. Uses and sources reconcile at $249,112.87 each. Not a Closing Disclosure.