Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,092Cash toward the purchase price.
Closing costs + prepaids$10,448Not just lender fees.
Before credits & paid funds$20,540The complete starting cash picture.
Estimated remaining funds due at closing
$20,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,091.88
Your down payment$10,091.88
Closing costs + prepaids$10,448.31
Total buyer cash needed$20,540.19
Remaining funds due$20,540.19
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%)$2,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,169.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$753.25
Initial HOA (3 months)$17.76
Prepaid interest, first (26 days)$849.76
Fees + prepaids$10,448.31
Your down payment is the seller’s equity. You take over the $233,908 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $20,540.19 is due at closing. Uses and sources reconcile at $254,448.31 each. Not a Closing Disclosure.