Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,522Cash toward the purchase price.
Closing costs + prepaids$10,579Not just lender fees.
Before credits & paid funds$35,100The complete starting cash picture.
Estimated remaining funds due at closing
$35,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,521.57
Your down payment$24,521.57
Closing costs + prepaids$10,578.76
Total buyer cash needed$35,100.32
Remaining funds due$35,100.32
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%)$2,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,174.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.50
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$1,255.36
Fees + prepaids$10,578.76
Your down payment is the seller’s equity. You take over the $234,978 balance, so the rest of the $259,500 price is paid at closing. A second mortgage can cover part of it. $35,100.32 is due at closing. Uses and sources reconcile at $270,078.76 each. Not a Closing Disclosure.