Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$20,093Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$30,706The complete starting cash picture.
Estimated remaining funds due at closing
$30,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,092.94
Your down payment$20,092.94
Closing costs + prepaids$10,612.85
Total buyer cash needed$30,705.80
Remaining funds due$30,705.80
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,199.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$67.50
Initial HOA (3 months)$558.00
Prepaid interest, first (22 days)$971.32
Fees + prepaids$10,612.85
Your down payment is the seller’s equity. You take over the $239,807 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $30,705.80 is due at closing. Uses and sources reconcile at $270,512.85 each. Not a Closing Disclosure.