Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$22,894Cash toward the purchase price.
Closing costs + prepaids$9,881Not just lender fees.
Before credits & paid funds$32,775The complete starting cash picture.
Estimated remaining funds due at closing
$32,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,893.65
Your down payment$22,893.65
Closing costs + prepaids$9,881.15
Total buyer cash needed$32,774.81
Remaining funds due$32,774.81
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$318.75
Prepaid interest, first (16 days)$633.87
Fees + prepaids$9,881.15
Your down payment is the seller’s equity. You take over the $232,106 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $32,774.81 is due at closing. Uses and sources reconcile at $264,881.15 each. Not a Closing Disclosure.