Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,595Cash toward the purchase price.
Closing costs + prepaids$9,016Not just lender fees.
Before credits & paid funds$47,611The complete starting cash picture.
Estimated remaining funds due at closing
$47,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,594.89
Your down payment$38,594.89
Closing costs + prepaids$9,015.70
Total buyer cash needed$47,610.59
Remaining funds due$47,610.59
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$857.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$58.50
Prepaid interest, first (24 days)$782.17
Fees + prepaids$9,015.70
Your down payment is the seller’s equity. You take over the $171,405 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $47,610.59 is due at closing. Uses and sources reconcile at $219,015.70 each. Not a Closing Disclosure.