Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,501Cash toward the purchase price.
Closing costs + prepaids$9,441Not just lender fees.
Before credits & paid funds$47,941The complete starting cash picture.
Estimated remaining funds due at closing
$47,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,500.82
Your down payment$38,500.82
Closing costs + prepaids$9,440.59
Total buyer cash needed$47,941.41
Remaining funds due$47,941.41
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%)$982.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$92.25
Initial HOA (3 months)$765.00
Prepaid interest, first (2 days)$32.84
Fees + prepaids$9,440.59
Your down payment is the seller’s equity. You take over the $196,499 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $47,941.41 is due at closing. Uses and sources reconcile at $244,440.59 each. Not a Closing Disclosure.