Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,363Cash toward the purchase price.
Closing costs + prepaids$10,962Not just lender fees.
Before credits & paid funds$29,325The complete starting cash picture.
Estimated remaining funds due at closing
$29,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,363.46
Your down payment$18,363.46
Closing costs + prepaids$10,961.59
Total buyer cash needed$29,325.06
Remaining funds due$29,325.06
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.00
Prepaid interest, first (23 days)$1,088.91
Fees + prepaids$10,961.59
Your down payment is the seller’s equity. You take over the $251,537 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $29,325.06 is due at closing. Uses and sources reconcile at $280,861.59 each. Not a Closing Disclosure.