Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,633Cash toward the purchase price.
Closing costs + prepaids$10,611Not just lender fees.
Before credits & paid funds$35,244The complete starting cash picture.
Estimated remaining funds due at closing
$35,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,633.28
Your down payment$24,633.28
Closing costs + prepaids$10,610.71
Total buyer cash needed$35,243.99
Remaining funds due$35,243.99
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%)$1,151.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.25
Prepaid interest, first (25 days)$1,055.13
Fees + prepaids$10,610.71
Your down payment is the seller’s equity. You take over the $230,267 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $35,243.99 is due at closing. Uses and sources reconcile at $265,510.71 each. Not a Closing Disclosure.