Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,361Cash toward the purchase price.
Closing costs + prepaids$11,153Not just lender fees.
Before credits & paid funds$36,514The complete starting cash picture.
Estimated remaining funds due at closing
$36,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,361.08
Your down payment$25,361.08
Closing costs + prepaids$11,152.89
Total buyer cash needed$36,513.97
Remaining funds due$36,513.97
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,048.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$153.00
Initial HOA (3 months)$2,349.00
Prepaid interest, first (2 days)$34.69
Fees + prepaids$11,152.89
Your down payment is the seller’s equity. You take over the $209,639 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $36,513.97 is due at closing. Uses and sources reconcile at $246,152.89 each. Not a Closing Disclosure.