Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$21,229Cash toward the purchase price.
Closing costs + prepaids$10,303Not just lender fees.
Before credits & paid funds$31,532The complete starting cash picture.
Estimated remaining funds due at closing
$31,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,229.07
Your down payment$21,229.07
Closing costs + prepaids$10,303.09
Total buyer cash needed$31,532.16
Remaining funds due$31,532.16
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%)$2,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,163.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$304.75
Initial HOA (3 months)$639.00
Prepaid interest, first (10 days)$437.48
Fees + prepaids$10,303.09
Your down payment is the seller’s equity. You take over the $232,771 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $31,532.16 is due at closing. Uses and sources reconcile at $264,303.09 each. Not a Closing Disclosure.