Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,410Cash toward the purchase price.
Closing costs + prepaids$9,800Not just lender fees.
Before credits & paid funds$12,210The complete starting cash picture.
Estimated remaining funds due at closing
$12,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,410.45
Your down payment$2,410.45
Closing costs + prepaids$9,799.77
Total buyer cash needed$12,210.22
Remaining funds due$12,210.22
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%)$1,287.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$649.75
Prepaid interest, first (1 days)$45.57
Fees + prepaids$9,799.77
Your down payment is the seller’s equity. You take over the $257,490 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $12,210.22 is due at closing. Uses and sources reconcile at $269,699.77 each. Not a Closing Disclosure.