Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,417Cash toward the purchase price.
Closing costs + prepaids$10,949Not just lender fees.
Before credits & paid funds$32,365The complete starting cash picture.
Estimated remaining funds due at closing
$32,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,416.68
Your down payment$21,416.68
Closing costs + prepaids$10,948.70
Total buyer cash needed$32,365.38
Remaining funds due$32,365.38
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%)$1,242.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.75
Prepaid interest, first (26 days)$1,373.53
Fees + prepaids$10,948.70
Your down payment is the seller’s equity. You take over the $248,483 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $32,365.38 is due at closing. Uses and sources reconcile at $280,848.70 each. Not a Closing Disclosure.