Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$32,726Cash toward the purchase price.
Closing costs + prepaids$9,427Not just lender fees.
Before credits & paid funds$42,152The complete starting cash picture.
Estimated remaining funds due at closing
$42,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,725.80
Your down payment$32,725.80
Closing costs + prepaids$9,426.62
Total buyer cash needed$42,152.42
Remaining funds due$42,152.42
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$985.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (25 days)$923.75
Fees + prepaids$9,426.62
Your down payment is the seller’s equity. You take over the $197,174 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $42,152.42 is due at closing. Uses and sources reconcile at $239,326.62 each. Not a Closing Disclosure.