Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,598Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$18,214The complete starting cash picture.
Estimated remaining funds due at closing
$18,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,598.06
Your down payment$7,598.06
Closing costs + prepaids$10,615.47
Total buyer cash needed$18,213.54
Remaining funds due$18,213.54
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%)$2,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,211.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.25
Prepaid interest, first (27 days)$1,193.97
Fees + prepaids$10,615.47
Your down payment is the seller’s equity. You take over the $242,352 balance, so the rest of the $249,950 price is paid at closing. A second mortgage can cover part of it. $18,213.54 is due at closing. Uses and sources reconcile at $260,565.47 each. Not a Closing Disclosure.