Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,884Cash toward the purchase price.
Closing costs + prepaids$9,782Not just lender fees.
Before credits & paid funds$34,666The complete starting cash picture.
Estimated remaining funds due at closing
$34,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,883.82
Your down payment$24,883.82
Closing costs + prepaids$9,781.69
Total buyer cash needed$34,665.51
Remaining funds due$34,665.51
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,000.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.50
Initial HOA (3 months)$135.00
Prepaid interest, first (26 days)$906.61
Fees + prepaids$9,781.69
Your down payment is the seller’s equity. You take over the $200,116 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $34,665.51 is due at closing. Uses and sources reconcile at $234,781.69 each. Not a Closing Disclosure.