Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$41,190Cash toward the purchase price.
Closing costs + prepaids$10,492Not just lender fees.
Before credits & paid funds$51,682The complete starting cash picture.
Estimated remaining funds due at closing
$51,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,190.45
Your down payment$41,190.45
Closing costs + prepaids$10,491.82
Total buyer cash needed$51,682.26
Remaining funds due$51,682.26
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,044.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.50
Initial HOA (3 months)$1,308.00
Prepaid interest, first (2 days)$36.27
Fees + prepaids$10,491.82
Your down payment is the seller’s equity. You take over the $208,810 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $51,682.26 is due at closing. Uses and sources reconcile at $260,491.82 each. Not a Closing Disclosure.