Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$244,046Cash toward the purchase price.
Closing costs + prepaids$9,409Not just lender fees.
Before credits & paid funds$253,456The complete starting cash picture.
Estimated remaining funds due at closing
$253,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,046.37
Your down payment$244,046.37
Closing costs + prepaids$9,409.23
Total buyer cash needed$253,455.60
Remaining funds due$253,455.60
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%)$54.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,566.00
Prepaid interest, first (22 days)$20.47
Fees + prepaids$9,409.23
Your down payment is the seller’s equity. You take over the $10,954 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $253,455.60 is due at closing. Uses and sources reconcile at $264,409.23 each. Not a Closing Disclosure.