Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,810Cash toward the purchase price.
Closing costs + prepaids$10,689Not just lender fees.
Before credits & paid funds$23,499The complete starting cash picture.
Estimated remaining funds due at closing
$23,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,809.84
Your down payment$12,809.84
Closing costs + prepaids$10,689.14
Total buyer cash needed$23,498.99
Remaining funds due$23,498.99
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%)$2,559.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,215.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$639.75
Prepaid interest, first (23 days)$1,056.94
Fees + prepaids$10,689.14
Your down payment is the seller’s equity. You take over the $243,090 balance, so the rest of the $255,900 price is paid at closing. A second mortgage can cover part of it. $23,498.99 is due at closing. Uses and sources reconcile at $266,589.14 each. Not a Closing Disclosure.