Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$10,679Cash toward the purchase price.
Closing costs + prepaids$10,384Not just lender fees.
Before credits & paid funds$21,064The complete starting cash picture.
Estimated remaining funds due at closing
$21,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,679.47
Your down payment$10,679.47
Closing costs + prepaids$10,384.26
Total buyer cash needed$21,063.73
Remaining funds due$21,063.73
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%)$2,535.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,214.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$633.75
Prepaid interest, first (23 days)$783.41
Fees + prepaids$10,384.26
Your down payment is the seller’s equity. You take over the $242,821 balance, so the rest of the $253,500 price is paid at closing. A second mortgage can cover part of it. $21,063.73 is due at closing. Uses and sources reconcile at $263,884.26 each. Not a Closing Disclosure.