Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$18,718Cash toward the purchase price.
Closing costs + prepaids$10,918Not just lender fees.
Before credits & paid funds$29,636The complete starting cash picture.
Estimated remaining funds due at closing
$29,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,717.79
Your down payment$18,717.79
Closing costs + prepaids$10,918.29
Total buyer cash needed$29,636.08
Remaining funds due$29,636.08
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%)$2,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,226.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$810.75
Prepaid interest, first (25 days)$1,023.13
Fees + prepaids$10,918.29
Your down payment is the seller’s equity. You take over the $245,282 balance, so the rest of the $264,000 price is paid at closing. A second mortgage can cover part of it. $29,636.08 is due at closing. Uses and sources reconcile at $274,918.29 each. Not a Closing Disclosure.