Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,662Cash toward the purchase price.
Closing costs + prepaids$10,066Not just lender fees.
Before credits & paid funds$22,728The complete starting cash picture.
Estimated remaining funds due at closing
$22,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,662.20
Your down payment$12,662.20
Closing costs + prepaids$10,066.07
Total buyer cash needed$22,728.27
Remaining funds due$22,728.27
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,086.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.00
Prepaid interest, first (27 days)$1,080.38
Fees + prepaids$10,066.07
Your down payment is the seller’s equity. You take over the $217,338 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $22,728.27 is due at closing. Uses and sources reconcile at $240,066.07 each. Not a Closing Disclosure.