Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,984Cash toward the purchase price.
Closing costs + prepaids$10,637Not just lender fees.
Before credits & paid funds$55,621The complete starting cash picture.
Estimated remaining funds due at closing
$55,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,984.31
Your down payment$44,984.31
Closing costs + prepaids$10,637.08
Total buyer cash needed$55,621.39
Remaining funds due$55,621.39
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$796.75
Initial HOA (3 months)$630.00
Prepaid interest, first (30 days)$497.25
Fees + prepaids$10,637.08
Your down payment is the seller’s equity. You take over the $203,016 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $55,621.39 is due at closing. Uses and sources reconcile at $258,637.08 each. Not a Closing Disclosure.