Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$16,691Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$27,664The complete starting cash picture.
Estimated remaining funds due at closing
$27,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,690.79
Your down payment$16,690.79
Closing costs + prepaids$10,972.84
Total buyer cash needed$27,663.63
Remaining funds due$27,663.63
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,241.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.75
Initial HOA (3 months)$585.00
Prepaid interest, first (30 days)$1,071.04
Fees + prepaids$10,972.84
Your down payment is the seller’s equity. You take over the $248,209 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $27,663.63 is due at closing. Uses and sources reconcile at $275,872.84 each. Not a Closing Disclosure.