Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,298Cash toward the purchase price.
Closing costs + prepaids$10,156Not just lender fees.
Before credits & paid funds$49,454The complete starting cash picture.
Estimated remaining funds due at closing
$49,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,298.09
Your down payment$39,298.09
Closing costs + prepaids$10,155.95
Total buyer cash needed$49,454.04
Remaining funds due$49,454.04
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%)$2,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,046.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$777.75
Initial HOA (3 months)$200.01
Prepaid interest, first (26 days)$429.18
Fees + prepaids$10,155.95
Your down payment is the seller’s equity. You take over the $209,202 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $49,454.04 is due at closing. Uses and sources reconcile at $258,655.95 each. Not a Closing Disclosure.