Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,516Cash toward the purchase price.
Closing costs + prepaids$10,529Not just lender fees.
Before credits & paid funds$47,045The complete starting cash picture.
Estimated remaining funds due at closing
$47,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,515.69
Your down payment$36,515.69
Closing costs + prepaids$10,528.91
Total buyer cash needed$47,044.60
Remaining funds due$47,044.60
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%)$2,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,007.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.25
Prepaid interest, first (25 days)$923.24
Fees + prepaids$10,528.91
Your down payment is the seller’s equity. You take over the $201,484 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $47,044.60 is due at closing. Uses and sources reconcile at $248,528.91 each. Not a Closing Disclosure.