Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,684Cash toward the purchase price.
Closing costs + prepaids$10,652Not just lender fees.
Before credits & paid funds$36,336The complete starting cash picture.
Estimated remaining funds due at closing
$36,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,684.11
Your down payment$25,684.11
Closing costs + prepaids$10,652.05
Total buyer cash needed$36,336.16
Remaining funds due$36,336.16
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,121.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$237.25
Initial HOA (3 months)$600.00
Prepaid interest, first (25 days)$976.72
Fees + prepaids$10,652.05
Your down payment is the seller’s equity. You take over the $224,216 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $36,336.16 is due at closing. Uses and sources reconcile at $260,552.05 each. Not a Closing Disclosure.