Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,383Cash toward the purchase price.
Closing costs + prepaids$11,313Not just lender fees.
Before credits & paid funds$30,696The complete starting cash picture.
Estimated remaining funds due at closing
$30,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,383.32
Your down payment$19,383.32
Closing costs + prepaids$11,312.60
Total buyer cash needed$30,695.91
Remaining funds due$30,695.91
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%)$2,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,123.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,604.00
Prepaid interest, first (24 days)$927.51
Fees + prepaids$11,312.60
Your down payment is the seller’s equity. You take over the $224,617 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $30,695.91 is due at closing. Uses and sources reconcile at $255,312.60 each. Not a Closing Disclosure.