Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$14,717Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$24,878The complete starting cash picture.
Estimated remaining funds due at closing
$24,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,716.51
Your down payment$14,716.51
Closing costs + prepaids$10,161.09
Total buyer cash needed$24,877.60
Remaining funds due$24,877.60
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%)$2,444.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.75
Initial HOA (3 months)$390.00
Prepaid interest, first (23 days)$798.92
Fees + prepaids$10,161.09
Your down payment is the seller’s equity. You take over the $229,683 balance, so the rest of the $244,400 price is paid at closing. A second mortgage can cover part of it. $24,877.60 is due at closing. Uses and sources reconcile at $254,561.09 each. Not a Closing Disclosure.