Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,645Cash toward the purchase price.
Closing costs + prepaids$12,454Not just lender fees.
Before credits & paid funds$19,100The complete starting cash picture.
Estimated remaining funds due at closing
$19,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,645.16
Your down payment$6,645.16
Closing costs + prepaids$12,454.37
Total buyer cash needed$19,099.52
Remaining funds due$19,099.52
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%)$1,291.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,869.75
Prepaid interest, first (30 days)$1,424.84
Fees + prepaids$12,454.37
Your down payment is the seller’s equity. You take over the $258,355 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $19,099.52 is due at closing. Uses and sources reconcile at $277,454.37 each. Not a Closing Disclosure.