Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,565Cash toward the purchase price.
Closing costs + prepaids$11,312Not just lender fees.
Before credits & paid funds$25,877The complete starting cash picture.
Estimated remaining funds due at closing
$25,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,565.18
Your down payment$14,565.18
Closing costs + prepaids$11,312.29
Total buyer cash needed$25,877.47
Remaining funds due$25,877.47
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,276.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$674.75
Prepaid interest, first (30 days)$1,443.87
Fees + prepaids$11,312.29
Your down payment is the seller’s equity. You take over the $255,335 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $25,877.47 is due at closing. Uses and sources reconcile at $281,212.29 each. Not a Closing Disclosure.