Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,459Cash toward the purchase price.
Closing costs + prepaids$10,647Not just lender fees.
Before credits & paid funds$26,106The complete starting cash picture.
Estimated remaining funds due at closing
$26,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,458.79
Your down payment$15,458.79
Closing costs + prepaids$10,646.77
Total buyer cash needed$26,105.56
Remaining funds due$26,105.56
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%)$1,172.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.00
Prepaid interest, first (26 days)$1,131.07
Fees + prepaids$10,646.77
Your down payment is the seller’s equity. You take over the $234,541 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $26,105.56 is due at closing. Uses and sources reconcile at $260,646.77 each. Not a Closing Disclosure.