Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$51,219Cash toward the purchase price.
Closing costs + prepaids$9,491Not just lender fees.
Before credits & paid funds$60,710The complete starting cash picture.
Estimated remaining funds due at closing
$60,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,218.74
Your down payment$51,218.74
Closing costs + prepaids$9,491.46
Total buyer cash needed$60,710.19
Remaining funds due$60,710.19
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$868.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$270.00
Initial HOA (3 months)$765.00
Prepaid interest, first (9 days)$119.55
Fees + prepaids$9,491.46
Your down payment is the seller’s equity. You take over the $173,781 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $60,710.19 is due at closing. Uses and sources reconcile at $234,491.46 each. Not a Closing Disclosure.