Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,959Cash toward the purchase price.
Closing costs + prepaids$10,247Not just lender fees.
Before credits & paid funds$46,206The complete starting cash picture.
Estimated remaining funds due at closing
$46,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,959.14
Your down payment$35,959.14
Closing costs + prepaids$10,246.87
Total buyer cash needed$46,206.01
Remaining funds due$46,206.01
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%)$1,120.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.00
Prepaid interest, first (24 days)$923.66
Fees + prepaids$10,246.87
Your down payment is the seller’s equity. You take over the $224,041 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $46,206.01 is due at closing. Uses and sources reconcile at $270,246.87 each. Not a Closing Disclosure.