Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$54,221Cash toward the purchase price.
Closing costs + prepaids$10,933Not just lender fees.
Before credits & paid funds$65,154The complete starting cash picture.
Estimated remaining funds due at closing
$65,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,221.22
Your down payment$54,221.22
Closing costs + prepaids$10,933.25
Total buyer cash needed$65,154.48
Remaining funds due$65,154.48
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%)$2,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$893.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$696.25
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$355.11
Fees + prepaids$10,933.25
Your down payment is the seller’s equity. You take over the $178,779 balance, so the rest of the $233,000 price is paid at closing. A second mortgage can cover part of it. $65,154.48 is due at closing. Uses and sources reconcile at $243,933.25 each. Not a Closing Disclosure.