Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,561Cash toward the purchase price.
Closing costs + prepaids$9,679Not just lender fees.
Before credits & paid funds$22,241The complete starting cash picture.
Estimated remaining funds due at closing
$22,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,561.45
Your down payment$12,561.45
Closing costs + prepaids$9,679.44
Total buyer cash needed$22,240.90
Remaining funds due$22,240.90
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%)$2,559.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,216.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$639.75
Prepaid interest, first (1 days)$46.00
Fees + prepaids$9,679.44
Your down payment is the seller’s equity. You take over the $243,339 balance, so the rest of the $255,900 price is paid at closing. A second mortgage can cover part of it. $22,240.90 is due at closing. Uses and sources reconcile at $265,579.44 each. Not a Closing Disclosure.