Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,094Cash toward the purchase price.
Closing costs + prepaids$10,491Not just lender fees.
Before credits & paid funds$62,585The complete starting cash picture.
Estimated remaining funds due at closing
$62,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,094.48
Your down payment$52,094.48
Closing costs + prepaids$10,490.62
Total buyer cash needed$62,585.09
Remaining funds due$62,585.09
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%)$914.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$730.25
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$377.84
Fees + prepaids$10,490.62
Your down payment is the seller’s equity. You take over the $182,906 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $62,585.09 is due at closing. Uses and sources reconcile at $245,490.62 each. Not a Closing Disclosure.