Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$27,194Cash toward the purchase price.
Closing costs + prepaids$10,766Not just lender fees.
Before credits & paid funds$37,960The complete starting cash picture.
Estimated remaining funds due at closing
$37,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,194.25
Your down payment$27,194.25
Closing costs + prepaids$10,765.81
Total buyer cash needed$37,960.06
Remaining funds due$37,960.06
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%)$2,588.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,158.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$834.75
Prepaid interest, first (24 days)$967.03
Fees + prepaids$10,765.81
Your down payment is the seller’s equity. You take over the $231,606 balance, so the rest of the $258,800 price is paid at closing. A second mortgage can cover part of it. $37,960.06 is due at closing. Uses and sources reconcile at $269,565.81 each. Not a Closing Disclosure.