Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$20,033Cash toward the purchase price.
Closing costs + prepaids$10,462Not just lender fees.
Before credits & paid funds$30,495The complete starting cash picture.
Estimated remaining funds due at closing
$30,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,032.99
Your down payment$20,032.99
Closing costs + prepaids$10,461.80
Total buyer cash needed$30,494.79
Remaining funds due$30,494.79
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%)$2,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,097.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$909.25
Prepaid interest, first (23 days)$842.21
Fees + prepaids$10,461.80
Your down payment is the seller’s equity. You take over the $219,467 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $30,494.79 is due at closing. Uses and sources reconcile at $249,961.80 each. Not a Closing Disclosure.