Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,991Cash toward the purchase price.
Closing costs + prepaids$10,172Not just lender fees.
Before credits & paid funds$40,163The complete starting cash picture.
Estimated remaining funds due at closing
$40,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,991.17
Your down payment$29,991.17
Closing costs + prepaids$10,172.12
Total buyer cash needed$40,163.29
Remaining funds due$40,163.29
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%)$1,100.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$395.50
Prepaid interest, first (27 days)$958.58
Fees + prepaids$10,172.12
Your down payment is the seller’s equity. You take over the $220,009 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $40,163.29 is due at closing. Uses and sources reconcile at $260,172.12 each. Not a Closing Disclosure.