Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,698Cash toward the purchase price.
Closing costs + prepaids$10,992Not just lender fees.
Before credits & paid funds$34,690The complete starting cash picture.
Estimated remaining funds due at closing
$34,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,697.69
Your down payment$23,697.69
Closing costs + prepaids$10,992.14
Total buyer cash needed$34,689.83
Remaining funds due$34,689.83
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%)$2,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,181.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (31 days)$1,342.64
Fees + prepaids$10,992.14
Your down payment is the seller’s equity. You take over the $236,301 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $34,689.83 is due at closing. Uses and sources reconcile at $270,991.14 each. Not a Closing Disclosure.