Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,288Cash toward the purchase price.
Closing costs + prepaids$9,366Not just lender fees.
Before credits & paid funds$33,654The complete starting cash picture.
Estimated remaining funds due at closing
$33,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,287.69
Your down payment$24,287.69
Closing costs + prepaids$9,366.45
Total buyer cash needed$33,654.14
Remaining funds due$33,654.14
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%)$2,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,176.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.50
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$41.89
Fees + prepaids$9,366.45
Your down payment is the seller’s equity. You take over the $235,212 balance, so the rest of the $259,500 price is paid at closing. A second mortgage can cover part of it. $33,654.14 is due at closing. Uses and sources reconcile at $268,866.45 each. Not a Closing Disclosure.