Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$32,424Cash toward the purchase price.
Closing costs + prepaids$11,710Not just lender fees.
Before credits & paid funds$44,134The complete starting cash picture.
Estimated remaining funds due at closing
$44,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,423.68
Your down payment$32,423.68
Closing costs + prepaids$11,710.37
Total buyer cash needed$44,134.05
Remaining funds due$44,134.05
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%)$2,385.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,030.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.25
Initial HOA (3 months)$2,241.00
Prepaid interest, first (25 days)$434.74
Fees + prepaids$11,710.37
Your down payment is the seller’s equity. You take over the $206,076 balance, so the rest of the $238,500 price is paid at closing. A second mortgage can cover part of it. $44,134.05 is due at closing. Uses and sources reconcile at $250,210.37 each. Not a Closing Disclosure.