Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$8,974Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$19,883The complete starting cash picture.
Estimated remaining funds due at closing
$19,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,973.94
Your down payment$8,973.94
Closing costs + prepaids$10,908.66
Total buyer cash needed$19,882.60
Remaining funds due$19,882.60
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (26 days)$1,185.53
Fees + prepaids$10,908.66
Your down payment is the seller’s equity. You take over the $251,026 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $19,882.60 is due at closing. Uses and sources reconcile at $270,908.66 each. Not a Closing Disclosure.