Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$13,317Cash toward the purchase price.
Closing costs + prepaids$12,633Not just lender fees.
Before credits & paid funds$25,950The complete starting cash picture.
Estimated remaining funds due at closing
$25,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,317.06
Your down payment$13,317.06
Closing costs + prepaids$12,633.03
Total buyer cash needed$25,950.09
Remaining funds due$25,950.09
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,282.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,014.25
Prepaid interest, first (29 days)$1,418.87
Fees + prepaids$12,633.03
Your down payment is the seller’s equity. You take over the $256,583 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $25,950.09 is due at closing. Uses and sources reconcile at $282,533.03 each. Not a Closing Disclosure.