Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$28,063Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$39,000The complete starting cash picture.
Estimated remaining funds due at closing
$39,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,063.45
Your down payment$28,063.45
Closing costs + prepaids$10,936.55
Total buyer cash needed$39,000.00
Remaining funds due$39,000.00
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,109.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$880.50
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$928.36
Fees + prepaids$10,936.55
Your down payment is the seller’s equity. You take over the $221,937 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $39,000.00 is due at closing. Uses and sources reconcile at $260,936.55 each. Not a Closing Disclosure.