Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,220Cash toward the purchase price.
Closing costs + prepaids$10,279Not just lender fees.
Before credits & paid funds$34,498The complete starting cash picture.
Estimated remaining funds due at closing
$34,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,219.61
Your down payment$24,219.61
Closing costs + prepaids$10,278.55
Total buyer cash needed$34,498.16
Remaining funds due$34,498.16
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%)$2,445.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,101.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$351.75
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,087.40
Fees + prepaids$10,278.55
Your down payment is the seller’s equity. You take over the $220,280 balance, so the rest of the $244,500 price is paid at closing. A second mortgage can cover part of it. $34,498.16 is due at closing. Uses and sources reconcile at $254,778.55 each. Not a Closing Disclosure.