Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$13,481Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$23,969The complete starting cash picture.
Estimated remaining funds due at closing
$23,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,481.32
Your down payment$13,481.32
Closing costs + prepaids$10,487.39
Total buyer cash needed$23,968.71
Remaining funds due$23,968.71
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,182.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.75
Prepaid interest, first (28 days)$1,241.04
Fees + prepaids$10,487.39
Your down payment is the seller’s equity. You take over the $236,519 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $23,968.71 is due at closing. Uses and sources reconcile at $260,487.39 each. Not a Closing Disclosure.