Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,810Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$29,322The complete starting cash picture.
Estimated remaining funds due at closing
$29,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,810.18
Your down payment$18,810.18
Closing costs + prepaids$10,512.18
Total buyer cash needed$29,322.36
Remaining funds due$29,322.36
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$596.75
Prepaid interest, first (27 days)$1,071.48
Fees + prepaids$10,512.18
Your down payment is the seller’s equity. You take over the $229,190 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $29,322.36 is due at closing. Uses and sources reconcile at $258,512.18 each. Not a Closing Disclosure.