Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,677Cash toward the purchase price.
Closing costs + prepaids$9,077Not just lender fees.
Before credits & paid funds$47,754The complete starting cash picture.
Estimated remaining funds due at closing
$47,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,676.88
Your down payment$38,676.88
Closing costs + prepaids$9,077.48
Total buyer cash needed$47,754.36
Remaining funds due$47,754.36
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,056.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.00
Prepaid interest, first (1 days)$17.36
Fees + prepaids$9,077.48
Your down payment is the seller’s equity. You take over the $211,223 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $47,754.36 is due at closing. Uses and sources reconcile at $258,977.48 each. Not a Closing Disclosure.