Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,027Cash toward the purchase price.
Closing costs + prepaids$10,622Not just lender fees.
Before credits & paid funds$44,649The complete starting cash picture.
Estimated remaining funds due at closing
$44,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,026.90
Your down payment$34,026.90
Closing costs + prepaids$10,622.23
Total buyer cash needed$44,649.13
Remaining funds due$44,649.13
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,054.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$803.75
Prepaid interest, first (30 days)$1,097.12
Fees + prepaids$10,622.23
Your down payment is the seller’s equity. You take over the $210,873 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $44,649.13 is due at closing. Uses and sources reconcile at $255,522.23 each. Not a Closing Disclosure.