Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$21,054Cash toward the purchase price.
Closing costs + prepaids$10,275Not just lender fees.
Before credits & paid funds$31,329The complete starting cash picture.
Estimated remaining funds due at closing
$31,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,054.34
Your down payment$21,054.34
Closing costs + prepaids$10,275.15
Total buyer cash needed$31,329.49
Remaining funds due$31,329.49
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,019.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$783.75
Initial HOA (3 months)$537.00
Prepaid interest, first (29 days)$466.67
Fees + prepaids$10,275.15
Your down payment is the seller’s equity. You take over the $203,946 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $31,329.49 is due at closing. Uses and sources reconcile at $235,275.15 each. Not a Closing Disclosure.