Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,107Cash toward the purchase price.
Closing costs + prepaids$10,348Not just lender fees.
Before credits & paid funds$35,454The complete starting cash picture.
Estimated remaining funds due at closing
$35,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,106.85
Your down payment$25,106.85
Closing costs + prepaids$10,347.62
Total buyer cash needed$35,454.47
Remaining funds due$35,454.47
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%)$2,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,036.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$581.25
Prepaid interest, first (30 days)$1,186.40
Fees + prepaids$10,347.62
Your down payment is the seller’s equity. You take over the $207,393 balance, so the rest of the $232,500 price is paid at closing. A second mortgage can cover part of it. $35,454.47 is due at closing. Uses and sources reconcile at $242,847.62 each. Not a Closing Disclosure.