Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,363Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$38,189The complete starting cash picture.
Estimated remaining funds due at closing
$38,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,363.46
Your down payment$27,363.46
Closing costs + prepaids$10,825.09
Total buyer cash needed$38,188.56
Remaining funds due$38,188.56
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,158.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,065.00
Prepaid interest, first (30 days)$793.91
Fees + prepaids$10,825.09
Your down payment is the seller’s equity. You take over the $231,637 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $38,188.56 is due at closing. Uses and sources reconcile at $269,825.09 each. Not a Closing Disclosure.