Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,361Cash toward the purchase price.
Closing costs + prepaids$9,778Not just lender fees.
Before credits & paid funds$34,139The complete starting cash picture.
Estimated remaining funds due at closing
$34,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,360.84
Your down payment$24,360.84
Closing costs + prepaids$9,777.97
Total buyer cash needed$34,138.81
Remaining funds due$34,138.81
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%)$2,359.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,057.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$68.25
Prepaid interest, first (27 days)$1,075.02
Fees + prepaids$9,777.97
Your down payment is the seller’s equity. You take over the $211,539 balance, so the rest of the $235,900 price is paid at closing. A second mortgage can cover part of it. $34,138.81 is due at closing. Uses and sources reconcile at $245,677.97 each. Not a Closing Disclosure.