Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,946Cash toward the purchase price.
Closing costs + prepaids$9,718Not just lender fees.
Before credits & paid funds$36,664The complete starting cash picture.
Estimated remaining funds due at closing
$36,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,945.96
Your down payment$26,945.96
Closing costs + prepaids$9,718.19
Total buyer cash needed$36,664.15
Remaining funds due$36,664.15
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%)$1,165.27
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 (2 days)$84.92
Fees + prepaids$9,718.19
Your down payment is the seller’s equity. You take over the $233,054 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $36,664.15 is due at closing. Uses and sources reconcile at $269,718.19 each. Not a Closing Disclosure.