Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,617Cash toward the purchase price.
Closing costs + prepaids$9,957Not just lender fees.
Before credits & paid funds$48,574The complete starting cash picture.
Estimated remaining funds due at closing
$48,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,616.98
Your down payment$38,616.98
Closing costs + prepaids$9,956.81
Total buyer cash needed$48,573.79
Remaining funds due$48,573.79
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%)$2,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$976.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$699.25
Prepaid interest, first (27 days)$722.65
Fees + prepaids$9,956.81
Your down payment is the seller’s equity. You take over the $195,383 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $48,573.79 is due at closing. Uses and sources reconcile at $243,956.81 each. Not a Closing Disclosure.