Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$25,107Cash toward the purchase price.
Closing costs + prepaids$10,031Not just lender fees.
Before credits & paid funds$35,138The complete starting cash picture.
Estimated remaining funds due at closing
$35,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,106.85
Your down payment$25,106.85
Closing costs + prepaids$10,031.24
Total buyer cash needed$35,138.09
Remaining funds due$35,138.09
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%)$2,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,036.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$581.25
Prepaid interest, first (22 days)$870.03
Fees + prepaids$10,031.24
Your down payment is the seller’s equity. You take over the $207,393 balance, so the rest of the $232,500 price is paid at closing. A second mortgage can cover part of it. $35,138.09 is due at closing. Uses and sources reconcile at $242,531.24 each. Not a Closing Disclosure.