Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$30,455Cash toward the purchase price.
Closing costs + prepaids$12,328Not just lender fees.
Before credits & paid funds$42,783The complete starting cash picture.
Estimated remaining funds due at closing
$42,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,455.23
Your down payment$30,455.23
Closing costs + prepaids$12,327.64
Total buyer cash needed$42,782.88
Remaining funds due$42,782.88
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,092.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$779.25
Initial HOA (3 months)$2,100.00
Prepaid interest, first (29 days)$647.67
Fees + prepaids$12,327.64
Your down payment is the seller’s equity. You take over the $218,545 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $42,782.88 is due at closing. Uses and sources reconcile at $261,327.64 each. Not a Closing Disclosure.