Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$8,583Cash toward the purchase price.
Closing costs + prepaids$10,349Not just lender fees.
Before credits & paid funds$18,932The complete starting cash picture.
Estimated remaining funds due at closing
$18,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,583.28
Your down payment$8,583.28
Closing costs + prepaids$10,348.99
Total buyer cash needed$18,932.28
Remaining funds due$18,932.28
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,181.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.00
Prepaid interest, first (24 days)$949.41
Fees + prepaids$10,348.99
Your down payment is the seller’s equity. You take over the $236,317 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $18,932.28 is due at closing. Uses and sources reconcile at $255,248.99 each. Not a Closing Disclosure.