Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,052Cash toward the purchase price.
Closing costs + prepaids$10,364Not just lender fees.
Before credits & paid funds$33,416The complete starting cash picture.
Estimated remaining funds due at closing
$33,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,052.14
Your down payment$23,052.14
Closing costs + prepaids$10,363.52
Total buyer cash needed$33,415.65
Remaining funds due$33,415.65
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%)$1,029.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$909.00
Prepaid interest, first (24 days)$916.78
Fees + prepaids$10,363.52
Your down payment is the seller’s equity. You take over the $205,948 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $33,415.65 is due at closing. Uses and sources reconcile at $239,363.52 each. Not a Closing Disclosure.