Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$21,122Cash toward the purchase price.
Closing costs + prepaids$9,850Not just lender fees.
Before credits & paid funds$30,973The complete starting cash picture.
Estimated remaining funds due at closing
$30,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,122.49
Your down payment$21,122.49
Closing costs + prepaids$9,850.40
Total buyer cash needed$30,972.90
Remaining funds due$30,972.90
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,069.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.00
Prepaid interest, first (22 days)$816.02
Fees + prepaids$9,850.40
Your down payment is the seller’s equity. You take over the $213,878 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $30,972.90 is due at closing. Uses and sources reconcile at $244,850.40 each. Not a Closing Disclosure.