Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$36,888Cash toward the purchase price.
Closing costs + prepaids$9,528Not just lender fees.
Before credits & paid funds$46,415The complete starting cash picture.
Estimated remaining funds due at closing
$46,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,887.86
Your down payment$36,887.86
Closing costs + prepaids$9,527.59
Total buyer cash needed$46,415.45
Remaining funds due$46,415.45
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,065.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.50
Prepaid interest, first (14 days)$433.03
Fees + prepaids$9,527.59
Your down payment is the seller’s equity. You take over the $213,012 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $46,415.45 is due at closing. Uses and sources reconcile at $259,427.59 each. Not a Closing Disclosure.