Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,073Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$34,376The complete starting cash picture.
Estimated remaining funds due at closing
$34,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,073.45
Your down payment$23,073.45
Closing costs + prepaids$11,303.02
Total buyer cash needed$34,376.47
Remaining funds due$34,376.47
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%)$1,184.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,258.75
Prepaid interest, first (23 days)$1,043.14
Fees + prepaids$11,303.02
Your down payment is the seller’s equity. You take over the $236,827 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $34,376.47 is due at closing. Uses and sources reconcile at $271,203.02 each. Not a Closing Disclosure.