Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,808Cash toward the purchase price.
Closing costs + prepaids$10,136Not just lender fees.
Before credits & paid funds$50,944The complete starting cash picture.
Estimated remaining funds due at closing
$50,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,807.69
Your down payment$40,807.69
Closing costs + prepaids$10,136.34
Total buyer cash needed$50,944.04
Remaining funds due$50,944.04
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,070.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.25
Prepaid interest, first (30 days)$661.63
Fees + prepaids$10,136.34
Your down payment is the seller’s equity. You take over the $214,092 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $50,944.04 is due at closing. Uses and sources reconcile at $265,036.34 each. Not a Closing Disclosure.