Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,540Cash toward the purchase price.
Closing costs + prepaids$10,140Not just lender fees.
Before credits & paid funds$34,680The complete starting cash picture.
Estimated remaining funds due at closing
$34,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,540.50
Your down payment$24,540.50
Closing costs + prepaids$10,139.60
Total buyer cash needed$34,680.10
Remaining funds due$34,680.10
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%)$2,520.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,137.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$159.75
Initial HOA (3 months)$525.00
Prepaid interest, first (30 days)$579.55
Fees + prepaids$10,139.60
Your down payment is the seller’s equity. You take over the $227,460 balance, so the rest of the $252,000 price is paid at closing. A second mortgage can cover part of it. $34,680.10 is due at closing. Uses and sources reconcile at $262,139.60 each. Not a Closing Disclosure.