Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,622Cash toward the purchase price.
Closing costs + prepaids$9,808Not just lender fees.
Before credits & paid funds$55,430The complete starting cash picture.
Estimated remaining funds due at closing
$55,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,622.04
Your down payment$45,622.04
Closing costs + prepaids$9,807.90
Total buyer cash needed$55,429.94
Remaining funds due$55,429.94
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$971.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.00
Prepaid interest, first (28 days)$925.51
Fees + prepaids$9,807.90
Your down payment is the seller’s equity. You take over the $194,278 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $55,429.94 is due at closing. Uses and sources reconcile at $249,707.90 each. Not a Closing Disclosure.