Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,667Cash toward the purchase price.
Closing costs + prepaids$11,654Not just lender fees.
Before credits & paid funds$38,321The complete starting cash picture.
Estimated remaining funds due at closing
$38,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,667.32
Your down payment$26,667.32
Closing costs + prepaids$11,653.79
Total buyer cash needed$38,321.11
Remaining funds due$38,321.11
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%)$1,141.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,777.25
Prepaid interest, first (23 days)$966.88
Fees + prepaids$11,653.79
Your down payment is the seller’s equity. You take over the $228,333 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $38,321.11 is due at closing. Uses and sources reconcile at $266,653.79 each. Not a Closing Disclosure.