Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,374Cash toward the purchase price.
Closing costs + prepaids$11,162Not just lender fees.
Before credits & paid funds$44,536The complete starting cash picture.
Estimated remaining funds due at closing
$44,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,374.50
Your down payment$33,374.50
Closing costs + prepaids$11,161.88
Total buyer cash needed$44,536.38
Remaining funds due$44,536.38
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%)$1,133.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,342.50
Prepaid interest, first (23 days)$868.26
Fees + prepaids$11,161.88
Your down payment is the seller’s equity. You take over the $226,626 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $44,536.38 is due at closing. Uses and sources reconcile at $271,161.88 each. Not a Closing Disclosure.