Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,363Cash toward the purchase price.
Closing costs + prepaids$10,142Not just lender fees.
Before credits & paid funds$42,505The complete starting cash picture.
Estimated remaining funds due at closing
$42,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,362.88
Your down payment$32,362.88
Closing costs + prepaids$10,141.94
Total buyer cash needed$42,504.82
Remaining funds due$42,504.82
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,078.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$297.50
Initial HOA (3 months)$969.00
Prepaid interest, first (6 days)$99.25
Fees + prepaids$10,141.94
Your down payment is the seller’s equity. You take over the $215,637 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $42,504.82 is due at closing. Uses and sources reconcile at $258,141.94 each. Not a Closing Disclosure.