Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,603Cash toward the purchase price.
Closing costs + prepaids$11,795Not just lender fees.
Before credits & paid funds$13,398The complete starting cash picture.
Estimated remaining funds due at closing
$13,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,602.87
Your down payment$1,602.87
Closing costs + prepaids$11,794.92
Total buyer cash needed$13,397.78
Remaining funds due$13,397.78
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,316.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,217.75
Prepaid interest, first (28 days)$1,392.18
Fees + prepaids$11,794.92
Your down payment is the seller’s equity. You take over the $263,397 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $13,397.78 is due at closing. Uses and sources reconcile at $276,794.92 each. Not a Closing Disclosure.