Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,957Cash toward the purchase price.
Closing costs + prepaids$11,521Not just lender fees.
Before credits & paid funds$24,478The complete starting cash picture.
Estimated remaining funds due at closing
$24,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,957.37
Your down payment$12,957.37
Closing costs + prepaids$11,520.82
Total buyer cash needed$24,478.19
Remaining funds due$24,478.19
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,159.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,643.25
Prepaid interest, first (23 days)$1,050.86
Fees + prepaids$11,520.82
Your down payment is the seller’s equity. You take over the $231,943 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $24,478.19 is due at closing. Uses and sources reconcile at $256,420.82 each. Not a Closing Disclosure.