Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,746Cash toward the purchase price.
Closing costs + prepaids$9,486Not just lender fees.
Before credits & paid funds$44,232The complete starting cash picture.
Estimated remaining funds due at closing
$44,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,745.99
Your down payment$34,745.99
Closing costs + prepaids$9,485.59
Total buyer cash needed$44,231.58
Remaining funds due$44,231.58
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$876.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (24 days)$766.32
Fees + prepaids$9,485.59
Your down payment is the seller’s equity. You take over the $175,254 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $44,231.58 is due at closing. Uses and sources reconcile at $219,485.59 each. Not a Closing Disclosure.