Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,560Cash toward the purchase price.
Closing costs + prepaids$9,284Not just lender fees.
Before credits & paid funds$24,844The complete starting cash picture.
Estimated remaining funds due at closing
$24,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,560.15
Your down payment$15,560.15
Closing costs + prepaids$9,284.34
Total buyer cash needed$24,844.48
Remaining funds due$24,844.48
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%)$1,162.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$503.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$563.75
Initial HOA (3 months)$1,800.00
Prepaid interest, first (2 days)$37.39
Fees + prepaids$9,284.34
Your down payment is the seller’s equity. You take over the $100,640 balance, so the rest of the $116,200 price is paid at closing. A second mortgage can cover part of it. $24,844.48 is due at closing. Uses and sources reconcile at $125,484.34 each. Not a Closing Disclosure.