Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,293Cash toward the purchase price.
Closing costs + prepaids$10,259Not just lender fees.
Before credits & paid funds$45,553The complete starting cash picture.
Estimated remaining funds due at closing
$45,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,293.46
Your down payment$35,293.46
Closing costs + prepaids$10,259.08
Total buyer cash needed$45,552.54
Remaining funds due$45,552.54
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%)$1,123.03
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 (2 days)$36.80
Fees + prepaids$10,259.08
Your down payment is the seller’s equity. You take over the $224,607 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $45,552.54 is due at closing. Uses and sources reconcile at $270,159.08 each. Not a Closing Disclosure.