Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,934Cash toward the purchase price.
Closing costs + prepaids$9,788Not just lender fees.
Before credits & paid funds$42,722The complete starting cash picture.
Estimated remaining funds due at closing
$42,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,934.19
Your down payment$32,934.19
Closing costs + prepaids$9,787.94
Total buyer cash needed$42,722.12
Remaining funds due$42,722.12
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%)$2,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$980.33
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 (27 days)$442.36
Fees + prepaids$9,787.94
Your down payment is the seller’s equity. You take over the $196,066 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $42,722.12 is due at closing. Uses and sources reconcile at $238,787.94 each. Not a Closing Disclosure.