Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$58,117Cash toward the purchase price.
Closing costs + prepaids$9,718Not just lender fees.
Before credits & paid funds$67,835The complete starting cash picture.
Estimated remaining funds due at closing
$67,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,116.81
Your down payment$58,116.81
Closing costs + prepaids$9,718.05
Total buyer cash needed$67,834.86
Remaining funds due$67,834.86
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%)$884.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$282.00
Initial HOA (3 months)$846.00
Prepaid interest, first (10 days)$137.63
Fees + prepaids$9,718.05
Your down payment is the seller’s equity. You take over the $176,883 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $67,834.86 is due at closing. Uses and sources reconcile at $244,718.05 each. Not a Closing Disclosure.