Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,504Cash toward the purchase price.
Closing costs + prepaids$10,455Not just lender fees.
Before credits & paid funds$47,959The complete starting cash picture.
Estimated remaining funds due at closing
$47,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,503.80
Your down payment$37,503.80
Closing costs + prepaids$10,455.01
Total buyer cash needed$47,958.81
Remaining funds due$47,958.81
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%)$1,087.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.00
Initial HOA (3 months)$651.00
Prepaid interest, first (23 days)$756.53
Fees + prepaids$10,455.01
Your down payment is the seller’s equity. You take over the $217,496 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $47,958.81 is due at closing. Uses and sources reconcile at $265,455.01 each. Not a Closing Disclosure.