Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,430Cash toward the purchase price.
Closing costs + prepaids$10,642Not just lender fees.
Before credits & paid funds$35,072The complete starting cash picture.
Estimated remaining funds due at closing
$35,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,429.66
Your down payment$24,429.66
Closing costs + prepaids$10,642.14
Total buyer cash needed$35,071.80
Remaining funds due$35,071.80
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,152.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.25
Prepaid interest, first (28 days)$1,207.54
Fees + prepaids$10,642.14
Your down payment is the seller’s equity. You take over the $230,470 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $35,071.80 is due at closing. Uses and sources reconcile at $265,542.14 each. Not a Closing Disclosure.