Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,011Cash toward the purchase price.
Closing costs + prepaids$10,947Not just lender fees.
Before credits & paid funds$13,958The complete starting cash picture.
Estimated remaining funds due at closing
$13,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,010.63
Your down payment$3,010.63
Closing costs + prepaids$10,947.10
Total buyer cash needed$13,957.73
Remaining funds due$13,957.73
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,324.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$670.00
Prepaid interest, first (22 days)$1,054.15
Fees + prepaids$10,947.10
Your down payment is the seller’s equity. You take over the $264,989 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $13,957.73 is due at closing. Uses and sources reconcile at $278,947.10 each. Not a Closing Disclosure.