Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$50,748Cash toward the purchase price.
Closing costs + prepaids$9,775Not just lender fees.
Before credits & paid funds$60,523The complete starting cash picture.
Estimated remaining funds due at closing
$60,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,747.92
Your down payment$50,747.92
Closing costs + prepaids$9,775.29
Total buyer cash needed$60,523.21
Remaining funds due$60,523.21
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$895.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$574.75
Prepaid interest, first (25 days)$787.78
Fees + prepaids$9,775.29
Your down payment is the seller’s equity. You take over the $179,152 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $60,523.21 is due at closing. Uses and sources reconcile at $239,675.29 each. Not a Closing Disclosure.