Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,180Cash toward the purchase price.
Closing costs + prepaids$10,129Not just lender fees.
Before credits & paid funds$32,309The complete starting cash picture.
Estimated remaining funds due at closing
$32,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,180.25
Your down payment$22,180.25
Closing costs + prepaids$10,128.61
Total buyer cash needed$32,308.85
Remaining funds due$32,308.85
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%)$1,139.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$108.25
Initial HOA (3 months)$51.00
Prepaid interest, first (27 days)$1,112.26
Fees + prepaids$10,128.61
Your down payment is the seller’s equity. You take over the $227,820 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $32,308.85 is due at closing. Uses and sources reconcile at $260,128.61 each. Not a Closing Disclosure.