Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$21,675Cash toward the purchase price.
Closing costs + prepaids$10,704Not just lender fees.
Before credits & paid funds$32,379The complete starting cash picture.
Estimated remaining funds due at closing
$32,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,675.14
Your down payment$21,675.14
Closing costs + prepaids$10,703.81
Total buyer cash needed$32,378.95
Remaining funds due$32,378.95
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%)$1,141.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$765.00
Prepaid interest, first (18 days)$779.18
Fees + prepaids$10,703.81
Your down payment is the seller’s equity. You take over the $228,325 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $32,378.95 is due at closing. Uses and sources reconcile at $260,703.81 each. Not a Closing Disclosure.