Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$13,431Cash toward the purchase price.
Closing costs + prepaids$11,011Not just lender fees.
Before credits & paid funds$24,442The complete starting cash picture.
Estimated remaining funds due at closing
$24,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,431.46
Your down payment$13,431.46
Closing costs + prepaids$11,010.58
Total buyer cash needed$24,442.04
Remaining funds due$24,442.04
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%)$2,520.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,192.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$405.00
Prepaid interest, first (27 days)$1,134.74
Fees + prepaids$11,010.58
Your down payment is the seller’s equity. You take over the $238,569 balance, so the rest of the $252,000 price is paid at closing. A second mortgage can cover part of it. $24,442.04 is due at closing. Uses and sources reconcile at $263,010.58 each. Not a Closing Disclosure.