Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$6,457Cash toward the purchase price.
Closing costs + prepaids$10,889Not just lender fees.
Before credits & paid funds$17,347The complete starting cash picture.
Estimated remaining funds due at closing
$17,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,457.31
Your down payment$6,457.31
Closing costs + prepaids$10,889.45
Total buyer cash needed$17,346.77
Remaining funds due$17,346.77
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%)$1,267.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.25
Prepaid interest, first (27 days)$1,318.49
Fees + prepaids$10,889.45
Your down payment is the seller’s equity. You take over the $253,543 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $17,346.77 is due at closing. Uses and sources reconcile at $270,889.45 each. Not a Closing Disclosure.