Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,299Cash toward the purchase price.
Closing costs + prepaids$10,308Not just lender fees.
Before credits & paid funds$36,607The complete starting cash picture.
Estimated remaining funds due at closing
$36,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,298.56
Your down payment$26,298.56
Closing costs + prepaids$10,308.33
Total buyer cash needed$36,606.90
Remaining funds due$36,606.90
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%)$1,193.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$221.00
Prepaid interest, first (23 days)$1,025.83
Fees + prepaids$10,308.33
Your down payment is the seller’s equity. You take over the $238,701 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $36,606.90 is due at closing. Uses and sources reconcile at $275,308.33 each. Not a Closing Disclosure.