Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,319Cash toward the purchase price.
Closing costs + prepaids$9,033Not just lender fees.
Before credits & paid funds$60,353The complete starting cash picture.
Estimated remaining funds due at closing
$60,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,319.45
Your down payment$51,319.45
Closing costs + prepaids$9,033.11
Total buyer cash needed$60,352.56
Remaining funds due$60,352.56
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%)$2,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$928.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$78.25
Initial HOA (3 months)$9.51
Prepaid interest, first (31 days)$428.95
Fees + prepaids$9,033.11
Your down payment is the seller’s equity. You take over the $185,681 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $60,352.56 is due at closing. Uses and sources reconcile at $246,033.11 each. Not a Closing Disclosure.