Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,464Cash toward the purchase price.
Closing costs + prepaids$10,119Not just lender fees.
Before credits & paid funds$33,583The complete starting cash picture.
Estimated remaining funds due at closing
$33,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,463.61
Your down payment$23,463.61
Closing costs + prepaids$10,119.14
Total buyer cash needed$33,582.74
Remaining funds due$33,582.74
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%)$2,477.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,121.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.50
Prepaid interest, first (25 days)$640.46
Fees + prepaids$10,119.14
Your down payment is the seller’s equity. You take over the $224,236 balance, so the rest of the $247,700 price is paid at closing. A second mortgage can cover part of it. $33,582.74 is due at closing. Uses and sources reconcile at $257,819.14 each. Not a Closing Disclosure.