Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$48,838Cash toward the purchase price.
Closing costs + prepaids$8,869Not just lender fees.
Before credits & paid funds$57,707The complete starting cash picture.
Estimated remaining funds due at closing
$57,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,837.60
Your down payment$48,837.60
Closing costs + prepaids$8,869.45
Total buyer cash needed$57,707.06
Remaining funds due$57,707.06
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%)$2,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$905.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$276.00
Prepaid interest, first (10 days)$171.14
Fees + prepaids$8,869.45
Your down payment is the seller’s equity. You take over the $181,062 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $57,707.06 is due at closing. Uses and sources reconcile at $238,769.45 each. Not a Closing Disclosure.