Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,638Cash toward the purchase price.
Closing costs + prepaids$8,911Not just lender fees.
Before credits & paid funds$33,549The complete starting cash picture.
Estimated remaining funds due at closing
$33,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,637.67
Your down payment$24,637.67
Closing costs + prepaids$8,911.22
Total buyer cash needed$33,548.90
Remaining funds due$33,548.90
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,001.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.50
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$34.91
Fees + prepaids$8,911.22
Your down payment is the seller’s equity. You take over the $200,362 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $33,548.90 is due at closing. Uses and sources reconcile at $233,911.22 each. Not a Closing Disclosure.