Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,878Cash toward the purchase price.
Closing costs + prepaids$10,544Not just lender fees.
Before credits & paid funds$48,422The complete starting cash picture.
Estimated remaining funds due at closing
$48,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,878.20
Your down payment$37,878.20
Closing costs + prepaids$10,543.82
Total buyer cash needed$48,422.02
Remaining funds due$48,422.02
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%)$2,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,060.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.00
Prepaid interest, first (30 days)$1,140.22
Fees + prepaids$10,543.82
Your down payment is the seller’s equity. You take over the $212,121 balance, so the rest of the $249,999 price is paid at closing. A second mortgage can cover part of it. $48,422.02 is due at closing. Uses and sources reconcile at $260,542.82 each. Not a Closing Disclosure.