Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$7,906Cash toward the purchase price.
Closing costs + prepaids$12,387Not just lender fees.
Before credits & paid funds$20,293The complete starting cash picture.
Estimated remaining funds due at closing
$20,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,905.71
Your down payment$7,905.71
Closing costs + prepaids$12,387.36
Total buyer cash needed$20,293.06
Remaining funds due$20,293.06
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$523.50
Initial HOA (3 months)$2,124.00
Prepaid interest, first (25 days)$586.39
Fees + prepaids$12,387.36
Your down payment is the seller’s equity. You take over the $257,094 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $20,293.06 is due at closing. Uses and sources reconcile at $277,387.36 each. Not a Closing Disclosure.