Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,857Cash toward the purchase price.
Closing costs + prepaids$9,178Not just lender fees.
Before credits & paid funds$34,035The complete starting cash picture.
Estimated remaining funds due at closing
$34,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,856.82
Your down payment$24,856.82
Closing costs + prepaids$9,177.89
Total buyer cash needed$34,034.72
Remaining funds due$34,034.72
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$875.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$102.00
Initial HOA (3 months)$915.00
Prepaid interest, first (2 days)$67.18
Fees + prepaids$9,177.89
Your down payment is the seller’s equity. You take over the $175,143 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $34,034.72 is due at closing. Uses and sources reconcile at $209,177.89 each. Not a Closing Disclosure.