Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,922Cash toward the purchase price.
Closing costs + prepaids$10,666Not just lender fees.
Before credits & paid funds$32,587The complete starting cash picture.
Estimated remaining funds due at closing
$32,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,921.65
Your down payment$21,921.65
Closing costs + prepaids$10,665.65
Total buyer cash needed$32,587.30
Remaining funds due$32,587.30
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,140.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.75
Prepaid interest, first (28 days)$1,191.51
Fees + prepaids$10,665.65
Your down payment is the seller’s equity. You take over the $228,078 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $32,587.30 is due at closing. Uses and sources reconcile at $260,665.65 each. Not a Closing Disclosure.