Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$27,125Cash toward the purchase price.
Closing costs + prepaids$10,633Not just lender fees.
Before credits & paid funds$37,758The complete starting cash picture.
Estimated remaining funds due at closing
$37,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,125.47
Your down payment$27,125.47
Closing costs + prepaids$10,632.57
Total buyer cash needed$37,758.04
Remaining funds due$37,758.04
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,109.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.75
Initial HOA (3 months)$1,275.00
Prepaid interest, first (12 days)$241.45
Fees + prepaids$10,632.57
Your down payment is the seller’s equity. You take over the $221,875 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $37,758.04 is due at closing. Uses and sources reconcile at $259,632.57 each. Not a Closing Disclosure.