Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$37,215Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$48,005The complete starting cash picture.
Estimated remaining funds due at closing
$48,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,215.48
Your down payment$37,215.48
Closing costs + prepaids$10,789.16
Total buyer cash needed$48,004.63
Remaining funds due$48,004.63
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,063.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.50
Initial HOA (3 months)$1,275.00
Prepaid interest, first (5 days)$94.73
Fees + prepaids$10,789.16
Your down payment is the seller’s equity. You take over the $212,785 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $48,004.63 is due at closing. Uses and sources reconcile at $260,789.16 each. Not a Closing Disclosure.