Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$32,656Cash toward the purchase price.
Closing costs + prepaids$9,293Not just lender fees.
Before credits & paid funds$41,949The complete starting cash picture.
Estimated remaining funds due at closing
$41,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,655.97
Your down payment$32,655.97
Closing costs + prepaids$9,293.05
Total buyer cash needed$41,949.02
Remaining funds due$41,949.02
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%)$2,174.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$923.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$633.25
Prepaid interest, first (22 days)$344.08
Fees + prepaids$9,293.05
Your down payment is the seller’s equity. You take over the $184,744 balance, so the rest of the $217,400 price is paid at closing. A second mortgage can cover part of it. $41,949.02 is due at closing. Uses and sources reconcile at $226,693.05 each. Not a Closing Disclosure.