Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,155Cash toward the purchase price.
Closing costs + prepaids$10,732Not just lender fees.
Before credits & paid funds$20,887The complete starting cash picture.
Estimated remaining funds due at closing
$20,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,154.96
Your down payment$10,154.96
Closing costs + prepaids$10,731.66
Total buyer cash needed$20,886.62
Remaining funds due$20,886.62
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,249.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (26 days)$1,014.44
Fees + prepaids$10,731.66
Your down payment is the seller’s equity. You take over the $249,845 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $20,886.62 is due at closing. Uses and sources reconcile at $270,731.66 each. Not a Closing Disclosure.