Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,862Cash toward the purchase price.
Closing costs + prepaids$10,497Not just lender fees.
Before credits & paid funds$43,359The complete starting cash picture.
Estimated remaining funds due at closing
$43,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,862.28
Your down payment$32,862.28
Closing costs + prepaids$10,497.10
Total buyer cash needed$43,359.38
Remaining funds due$43,359.38
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,080.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$706.25
Initial HOA (3 months)$969.00
Prepaid interest, first (2 days)$33.16
Fees + prepaids$10,497.10
Your down payment is the seller’s equity. You take over the $216,138 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $43,359.38 is due at closing. Uses and sources reconcile at $259,497.10 each. Not a Closing Disclosure.