Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,909Cash toward the purchase price.
Closing costs + prepaids$9,916Not just lender fees.
Before credits & paid funds$44,824The complete starting cash picture.
Estimated remaining funds due at closing
$44,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,908.78
Your down payment$34,908.78
Closing costs + prepaids$9,915.68
Total buyer cash needed$44,824.46
Remaining funds due$44,824.46
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,074.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Initial HOA (3 months)$7.50
Prepaid interest, first (28 days)$491.48
Fees + prepaids$9,915.68
Your down payment is the seller’s equity. You take over the $214,991 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $44,824.46 is due at closing. Uses and sources reconcile at $259,815.68 each. Not a Closing Disclosure.