Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$11,930Cash toward the purchase price.
Closing costs + prepaids$9,899Not just lender fees.
Before credits & paid funds$21,829The complete starting cash picture.
Estimated remaining funds due at closing
$21,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,930.00
Your down payment$11,930.00
Closing costs + prepaids$9,899.10
Total buyer cash needed$21,829.10
Remaining funds due$21,829.10
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%)$2,429.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,154.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$118.00
Prepaid interest, first (25 days)$979.25
Fees + prepaids$9,899.10
Your down payment is the seller’s equity. You take over the $230,970 balance, so the rest of the $242,900 price is paid at closing. A second mortgage can cover part of it. $21,829.10 is due at closing. Uses and sources reconcile at $252,799.10 each. Not a Closing Disclosure.