Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$24,422Cash toward the purchase price.
Closing costs + prepaids$9,750Not just lender fees.
Before credits & paid funds$34,171The complete starting cash picture.
Estimated remaining funds due at closing
$34,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,421.57
Your down payment$24,421.57
Closing costs + prepaids$9,749.75
Total buyer cash needed$34,171.32
Remaining funds due$34,171.32
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%)$2,594.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,174.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.25
Initial HOA (3 months)$75.00
Prepaid interest, first (9 days)$376.61
Fees + prepaids$9,749.75
Your down payment is the seller’s equity. You take over the $234,978 balance, so the rest of the $259,400 price is paid at closing. A second mortgage can cover part of it. $34,171.32 is due at closing. Uses and sources reconcile at $269,149.75 each. Not a Closing Disclosure.