Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,289Cash toward the purchase price.
Closing costs + prepaids$10,764Not just lender fees.
Before credits & paid funds$22,054The complete starting cash picture.
Estimated remaining funds due at closing
$22,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,289.18
Your down payment$11,289.18
Closing costs + prepaids$10,764.49
Total buyer cash needed$22,053.66
Remaining funds due$22,053.66
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%)$1,243.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.00
Prepaid interest, first (28 days)$1,140.94
Fees + prepaids$10,764.49
Your down payment is the seller’s equity. You take over the $248,711 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $22,053.66 is due at closing. Uses and sources reconcile at $270,764.49 each. Not a Closing Disclosure.