Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,685Cash toward the purchase price.
Closing costs + prepaids$9,729Not just lender fees.
Before credits & paid funds$47,414The complete starting cash picture.
Estimated remaining funds due at closing
$47,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,685.05
Your down payment$37,685.05
Closing costs + prepaids$9,728.65
Total buyer cash needed$47,413.70
Remaining funds due$47,413.70
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$936.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (28 days)$761.58
Fees + prepaids$9,728.65
Your down payment is the seller’s equity. You take over the $187,315 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $47,413.70 is due at closing. Uses and sources reconcile at $234,728.65 each. Not a Closing Disclosure.