Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,248Cash toward the purchase price.
Closing costs + prepaids$10,059Not just lender fees.
Before credits & paid funds$35,307The complete starting cash picture.
Estimated remaining funds due at closing
$35,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,248.32
Your down payment$25,248.32
Closing costs + prepaids$10,058.79
Total buyer cash needed$35,307.10
Remaining funds due$35,307.10
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,073.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.75
Prepaid interest, first (23 days)$873.78
Fees + prepaids$10,058.79
Your down payment is the seller’s equity. You take over the $214,652 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $35,307.10 is due at closing. Uses and sources reconcile at $249,958.79 each. Not a Closing Disclosure.