Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$9,239Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$20,554The complete starting cash picture.
Estimated remaining funds due at closing
$20,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,238.88
Your down payment$9,238.88
Closing costs + prepaids$11,314.98
Total buyer cash needed$20,553.86
Remaining funds due$20,553.86
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.25
Initial HOA (3 months)$480.00
Prepaid interest, first (27 days)$1,266.42
Fees + prepaids$11,314.98
Your down payment is the seller’s equity. You take over the $250,661 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $20,553.86 is due at closing. Uses and sources reconcile at $271,214.98 each. Not a Closing Disclosure.