Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$36,898Cash toward the purchase price.
Closing costs + prepaids$10,212Not just lender fees.
Before credits & paid funds$47,110The complete starting cash picture.
Estimated remaining funds due at closing
$47,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,897.95
Your down payment$36,897.95
Closing costs + prepaids$10,211.69
Total buyer cash needed$47,109.64
Remaining funds due$47,109.64
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%)$2,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,035.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$292.75
Initial HOA (3 months)$1,125.00
Prepaid interest, first (6 days)$100.43
Fees + prepaids$10,211.69
Your down payment is the seller’s equity. You take over the $207,102 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $47,109.64 is due at closing. Uses and sources reconcile at $254,211.69 each. Not a Closing Disclosure.