Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,351Cash toward the purchase price.
Closing costs + prepaids$10,360Not just lender fees.
Before credits & paid funds$45,711The complete starting cash picture.
Estimated remaining funds due at closing
$45,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,350.82
Your down payment$35,350.82
Closing costs + prepaids$10,360.42
Total buyer cash needed$45,711.23
Remaining funds due$45,711.23
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,098.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$604.50
Prepaid interest, first (24 days)$889.67
Fees + prepaids$10,360.42
Your down payment is the seller’s equity. You take over the $219,649 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $45,711.23 is due at closing. Uses and sources reconcile at $265,360.42 each. Not a Closing Disclosure.