Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,803Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$46,591The complete starting cash picture.
Estimated remaining funds due at closing
$46,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,802.57
Your down payment$35,802.57
Closing costs + prepaids$10,788.82
Total buyer cash needed$46,591.39
Remaining funds due$46,591.39
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.25
Initial HOA (3 months)$1,047.00
Prepaid interest, first (31 days)$569.08
Fees + prepaids$10,788.82
Your down payment is the seller’s equity. You take over the $224,097 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $46,591.39 is due at closing. Uses and sources reconcile at $270,688.82 each. Not a Closing Disclosure.