Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$2,651Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$13,451The complete starting cash picture.
Estimated remaining funds due at closing
$13,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,651.02
Your down payment$2,651.02
Closing costs + prepaids$10,800.17
Total buyer cash needed$13,451.19
Remaining funds due$13,451.19
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,286.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$649.75
Prepaid interest, first (23 days)$1,047.18
Fees + prepaids$10,800.17
Your down payment is the seller’s equity. You take over the $257,249 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $13,451.19 is due at closing. Uses and sources reconcile at $270,700.17 each. Not a Closing Disclosure.