Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,467Cash toward the purchase price.
Closing costs + prepaids$8,699Not just lender fees.
Before credits & paid funds$57,166The complete starting cash picture.
Estimated remaining funds due at closing
$57,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,466.94
Your down payment$48,466.94
Closing costs + prepaids$8,698.56
Total buyer cash needed$57,165.50
Remaining funds due$57,165.50
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%)$907.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$257.25
Prepaid interest, first (1 days)$17.15
Fees + prepaids$8,698.56
Your down payment is the seller’s equity. You take over the $181,433 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $57,165.50 is due at closing. Uses and sources reconcile at $238,598.56 each. Not a Closing Disclosure.