Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,586Cash toward the purchase price.
Closing costs + prepaids$9,901Not just lender fees.
Before credits & paid funds$38,486The complete starting cash picture.
Estimated remaining funds due at closing
$38,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,585.51
Your down payment$28,585.51
Closing costs + prepaids$9,900.59
Total buyer cash needed$38,486.10
Remaining funds due$38,486.10
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,031.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$316.00
Prepaid interest, first (28 days)$986.01
Fees + prepaids$9,900.59
Your down payment is the seller’s equity. You take over the $206,314 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $38,486.10 is due at closing. Uses and sources reconcile at $244,800.59 each. Not a Closing Disclosure.