Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,490Cash toward the purchase price.
Closing costs + prepaids$10,053Not just lender fees.
Before credits & paid funds$41,543The complete starting cash picture.
Estimated remaining funds due at closing
$41,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,489.95
Your down payment$31,489.95
Closing costs + prepaids$10,052.87
Total buyer cash needed$41,542.82
Remaining funds due$41,542.82
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$992.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.25
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$953.07
Fees + prepaids$10,052.87
Your down payment is the seller’s equity. You take over the $198,510 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $41,542.82 is due at closing. Uses and sources reconcile at $240,052.87 each. Not a Closing Disclosure.