Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$3,187Cash toward the purchase price.
Closing costs + prepaids$12,115Not just lender fees.
Before credits & paid funds$15,301The complete starting cash picture.
Estimated remaining funds due at closing
$15,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,186.95
Your down payment$3,186.95
Closing costs + prepaids$12,114.54
Total buyer cash needed$15,301.49
Remaining funds due$15,301.49
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%)$2,397.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,182.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,083.50
Prepaid interest, first (30 days)$1,232.72
Fees + prepaids$12,114.54
Your down payment is the seller’s equity. You take over the $236,563 balance, so the rest of the $239,750 price is paid at closing. A second mortgage can cover part of it. $15,301.49 is due at closing. Uses and sources reconcile at $251,864.54 each. Not a Closing Disclosure.