Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$8,708Cash toward the purchase price.
Closing costs + prepaids$10,211Not just lender fees.
Before credits & paid funds$18,919The complete starting cash picture.
Estimated remaining funds due at closing
$18,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,708.04
Your down payment$8,708.04
Closing costs + prepaids$10,210.56
Total buyer cash needed$18,918.60
Remaining funds due$18,918.60
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,251.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$647.50
Prepaid interest, first (24 days)$503.60
Fees + prepaids$10,210.56
Your down payment is the seller’s equity. You take over the $250,292 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $18,918.60 is due at closing. Uses and sources reconcile at $269,210.56 each. Not a Closing Disclosure.