Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,283Cash toward the purchase price.
Closing costs + prepaids$9,833Not just lender fees.
Before credits & paid funds$60,116The complete starting cash picture.
Estimated remaining funds due at closing
$60,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,282.91
Your down payment$50,282.91
Closing costs + prepaids$9,833.07
Total buyer cash needed$60,115.98
Remaining funds due$60,115.98
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$923.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.50
Prepaid interest, first (27 days)$935.98
Fees + prepaids$9,833.07
Your down payment is the seller’s equity. You take over the $184,717 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $60,115.98 is due at closing. Uses and sources reconcile at $244,833.07 each. Not a Closing Disclosure.