Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,756Cash toward the purchase price.
Closing costs + prepaids$10,149Not just lender fees.
Before credits & paid funds$39,905The complete starting cash picture.
Estimated remaining funds due at closing
$39,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,756.26
Your down payment$29,756.26
Closing costs + prepaids$10,148.80
Total buyer cash needed$39,905.06
Remaining funds due$39,905.06
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%)$2,454.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,078.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.25
Initial HOA (3 months)$804.00
Prepaid interest, first (22 days)$413.33
Fees + prepaids$10,148.80
Your down payment is the seller’s equity. You take over the $215,644 balance, so the rest of the $245,400 price is paid at closing. A second mortgage can cover part of it. $39,905.06 is due at closing. Uses and sources reconcile at $255,548.80 each. Not a Closing Disclosure.