Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$29,756Cash toward the purchase price.
Closing costs + prepaids$10,299Not just lender fees.
Before credits & paid funds$40,055The complete starting cash picture.
Estimated remaining funds due at closing
$40,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,756.26
Your down payment$29,756.26
Closing costs + prepaids$10,299.10
Total buyer cash needed$40,055.36
Remaining funds due$40,055.36
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%)$2,454.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,078.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.25
Initial HOA (3 months)$804.00
Prepaid interest, first (30 days)$563.63
Fees + prepaids$10,299.10
Your down payment is the seller’s equity. You take over the $215,644 balance, so the rest of the $245,400 price is paid at closing. A second mortgage can cover part of it. $40,055.36 is due at closing. Uses and sources reconcile at $255,699.10 each. Not a Closing Disclosure.