Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$20,626Cash toward the purchase price.
Closing costs + prepaids$10,056Not just lender fees.
Before credits & paid funds$30,682The complete starting cash picture.
Estimated remaining funds due at closing
$30,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,625.99
Your down payment$20,625.99
Closing costs + prepaids$10,056.24
Total buyer cash needed$30,682.23
Remaining funds due$30,682.23
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%)$2,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,066.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.00
Prepaid interest, first (23 days)$1,043.37
Fees + prepaids$10,056.24
Your down payment is the seller’s equity. You take over the $213,374 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $30,682.23 is due at closing. Uses and sources reconcile at $244,056.24 each. Not a Closing Disclosure.