Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$12,401Cash toward the purchase price.
Closing costs + prepaids$10,720Not just lender fees.
Before credits & paid funds$23,122The complete starting cash picture.
Estimated remaining funds due at closing
$23,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,401.32
Your down payment$12,401.32
Closing costs + prepaids$10,720.19
Total buyer cash needed$23,121.51
Remaining funds due$23,121.51
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,262.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.00
Prepaid interest, first (26 days)$1,101.19
Fees + prepaids$10,720.19
Your down payment is the seller’s equity. You take over the $252,599 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $23,121.51 is due at closing. Uses and sources reconcile at $275,720.19 each. Not a Closing Disclosure.