Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,640Cash toward the purchase price.
Closing costs + prepaids$11,965Not just lender fees.
Before credits & paid funds$37,605The complete starting cash picture.
Estimated remaining funds due at closing
$37,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,640.12
Your down payment$25,640.12
Closing costs + prepaids$11,965.03
Total buyer cash needed$37,605.15
Remaining funds due$37,605.15
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%)$1,121.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,753.25
Prepaid interest, first (30 days)$1,371.98
Fees + prepaids$11,965.03
Your down payment is the seller’s equity. You take over the $224,360 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $37,605.15 is due at closing. Uses and sources reconcile at $261,965.03 each. Not a Closing Disclosure.