Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$9,988Cash toward the purchase price.
Closing costs + prepaids$10,481Not just lender fees.
Before credits & paid funds$20,469The complete starting cash picture.
Estimated remaining funds due at closing
$20,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,987.75
Your down payment$9,987.75
Closing costs + prepaids$10,480.92
Total buyer cash needed$20,468.67
Remaining funds due$20,468.67
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%)$2,447.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,173.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.00
Prepaid interest, first (24 days)$1,029.61
Fees + prepaids$10,480.92
Your down payment is the seller’s equity. You take over the $234,762 balance, so the rest of the $244,750 price is paid at closing. A second mortgage can cover part of it. $20,468.67 is due at closing. Uses and sources reconcile at $255,230.92 each. Not a Closing Disclosure.