Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$7,939Cash toward the purchase price.
Closing costs + prepaids$11,025Not just lender fees.
Before credits & paid funds$18,964The complete starting cash picture.
Estimated remaining funds due at closing
$18,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,938.80
Your down payment$7,938.80
Closing costs + prepaids$11,025.42
Total buyer cash needed$18,964.22
Remaining funds due$18,964.22
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,235.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$570.25
Initial HOA (3 months)$555.00
Prepaid interest, first (25 days)$896.87
Fees + prepaids$11,025.42
Your down payment is the seller’s equity. You take over the $247,061 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $18,964.22 is due at closing. Uses and sources reconcile at $266,025.42 each. Not a Closing Disclosure.