Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$22,871Cash toward the purchase price.
Closing costs + prepaids$9,804Not just lender fees.
Before credits & paid funds$32,676The complete starting cash picture.
Estimated remaining funds due at closing
$32,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,871.25
Your down payment$22,871.25
Closing costs + prepaids$9,804.28
Total buyer cash needed$32,675.53
Remaining funds due$32,675.53
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,060.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$282.00
Initial HOA (3 months)$675.00
Prepaid interest, first (6 days)$218.64
Fees + prepaids$9,804.28
Your down payment is the seller’s equity. You take over the $212,129 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $32,675.53 is due at closing. Uses and sources reconcile at $244,804.28 each. Not a Closing Disclosure.