Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,648Cash toward the purchase price.
Closing costs + prepaids$10,191Not just lender fees.
Before credits & paid funds$33,839The complete starting cash picture.
Estimated remaining funds due at closing
$33,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,648.29
Your down payment$23,648.29
Closing costs + prepaids$10,190.84
Total buyer cash needed$33,839.13
Remaining funds due$33,839.13
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,181.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.25
Prepaid interest, first (23 days)$945.33
Fees + prepaids$10,190.84
Your down payment is the seller’s equity. You take over the $236,252 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $33,839.13 is due at closing. Uses and sources reconcile at $270,090.84 each. Not a Closing Disclosure.