Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,675Cash toward the purchase price.
Closing costs + prepaids$11,133Not just lender fees.
Before credits & paid funds$32,808The complete starting cash picture.
Estimated remaining funds due at closing
$32,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,675.14
Your down payment$21,675.14
Closing costs + prepaids$11,132.55
Total buyer cash needed$32,807.69
Remaining funds due$32,807.69
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%)$1,141.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$166.00
Initial HOA (3 months)$765.00
Prepaid interest, first (31 days)$1,341.92
Fees + prepaids$11,132.55
Your down payment is the seller’s equity. You take over the $228,325 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $32,807.69 is due at closing. Uses and sources reconcile at $261,132.55 each. Not a Closing Disclosure.