Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$12,634Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$23,427The complete starting cash picture.
Estimated remaining funds due at closing
$23,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,633.67
Your down payment$12,633.67
Closing costs + prepaids$10,793.57
Total buyer cash needed$23,427.24
Remaining funds due$23,427.24
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,231.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.25
Prepaid interest, first (28 days)$1,279.48
Fees + prepaids$10,793.57
Your down payment is the seller’s equity. You take over the $246,366 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $23,427.24 is due at closing. Uses and sources reconcile at $269,793.57 each. Not a Closing Disclosure.