Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$40,808Cash toward the purchase price.
Closing costs + prepaids$9,960Not just lender fees.
Before credits & paid funds$50,768The complete starting cash picture.
Estimated remaining funds due at closing
$50,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,807.69
Your down payment$40,807.69
Closing costs + prepaids$9,959.91
Total buyer cash needed$50,767.60
Remaining funds due$50,767.60
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,070.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.25
Prepaid interest, first (22 days)$485.20
Fees + prepaids$9,959.91
Your down payment is the seller’s equity. You take over the $214,092 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $50,767.60 is due at closing. Uses and sources reconcile at $264,859.91 each. Not a Closing Disclosure.