Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$2,347Cash toward the purchase price.
Closing costs + prepaids$12,836Not just lender fees.
Before credits & paid funds$15,183The complete starting cash picture.
Estimated remaining funds due at closing
$15,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,347.05
Your down payment$2,347.05
Closing costs + prepaids$12,835.56
Total buyer cash needed$15,182.62
Remaining funds due$15,182.62
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,313.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,683.00
Initial HOA (3 months)$828.00
Prepaid interest, first (24 days)$1,143.30
Fees + prepaids$12,835.56
Your down payment is the seller’s equity. You take over the $262,653 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $15,182.62 is due at closing. Uses and sources reconcile at $277,835.56 each. Not a Closing Disclosure.