Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,609Cash toward the purchase price.
Closing costs + prepaids$11,095Not just lender fees.
Before credits & paid funds$34,704The complete starting cash picture.
Estimated remaining funds due at closing
$34,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,608.89
Your down payment$23,608.89
Closing costs + prepaids$11,094.67
Total buyer cash needed$34,703.56
Remaining funds due$34,703.56
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,206.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.50
Prepaid interest, first (31 days)$1,357.21
Fees + prepaids$11,094.67
Your down payment is the seller’s equity. You take over the $241,391 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $34,703.56 is due at closing. Uses and sources reconcile at $276,094.67 each. Not a Closing Disclosure.