Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,941Cash toward the purchase price.
Closing costs + prepaids$9,915Not just lender fees.
Before credits & paid funds$34,857The complete starting cash picture.
Estimated remaining funds due at closing
$34,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,941.48
Your down payment$24,941.48
Closing costs + prepaids$9,915.27
Total buyer cash needed$34,856.75
Remaining funds due$34,856.75
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%)$2,219.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$984.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$205.50
Initial HOA (3 months)$975.00
Prepaid interest, first (29 days)$312.98
Fees + prepaids$9,915.27
Your down payment is the seller’s equity. You take over the $196,959 balance, so the rest of the $221,900 price is paid at closing. A second mortgage can cover part of it. $34,856.75 is due at closing. Uses and sources reconcile at $231,815.27 each. Not a Closing Disclosure.