Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,449Cash toward the purchase price.
Closing costs + prepaids$9,878Not just lender fees.
Before credits & paid funds$31,327The complete starting cash picture.
Estimated remaining funds due at closing
$31,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,448.87
Your down payment$21,448.87
Closing costs + prepaids$9,878.42
Total buyer cash needed$31,327.28
Remaining funds due$31,327.28
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%)$1,142.76
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 (2 days)$86.66
Fees + prepaids$9,878.42
Your down payment is the seller’s equity. You take over the $228,551 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $31,327.28 is due at closing. Uses and sources reconcile at $259,878.42 each. Not a Closing Disclosure.