Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,600Cash toward the purchase price.
Closing costs + prepaids$8,529Not just lender fees.
Before credits & paid funds$33,129The complete starting cash picture.
Estimated remaining funds due at closing
$33,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,600.18
Your down payment$24,600.18
Closing costs + prepaids$8,529.31
Total buyer cash needed$33,129.49
Remaining funds due$33,129.49
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%)$849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$301.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$2,013.00
Prepaid interest, first (23 days)$147.81
Fees + prepaids$8,529.31
Your down payment is the seller’s equity. You take over the $60,300 balance, so the rest of the $84,900 price is paid at closing. A second mortgage can cover part of it. $33,129.49 is due at closing. Uses and sources reconcile at $93,429.31 each. Not a Closing Disclosure.