Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$19,680Cash toward the purchase price.
Closing costs + prepaids$11,780Not just lender fees.
Before credits & paid funds$31,461The complete starting cash picture.
Estimated remaining funds due at closing
$31,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,680.24
Your down payment$19,680.24
Closing costs + prepaids$11,780.49
Total buyer cash needed$31,460.74
Remaining funds due$31,460.74
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%)$1,176.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,876.50
Prepaid interest, first (23 days)$959.40
Fees + prepaids$11,780.49
Your down payment is the seller’s equity. You take over the $235,320 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $31,460.74 is due at closing. Uses and sources reconcile at $266,780.49 each. Not a Closing Disclosure.