Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,935Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$35,851The complete starting cash picture.
Estimated remaining funds due at closing
$35,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,935.05
Your down payment$24,935.05
Closing costs + prepaids$10,915.70
Total buyer cash needed$35,850.75
Remaining funds due$35,850.75
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%)$2,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,125.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,222.75
Prepaid interest, first (22 days)$850.37
Fees + prepaids$10,915.70
Your down payment is the seller’s equity. You take over the $225,015 balance, so the rest of the $249,950 price is paid at closing. A second mortgage can cover part of it. $35,850.75 is due at closing. Uses and sources reconcile at $260,865.70 each. Not a Closing Disclosure.