Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$9,466Cash toward the purchase price.
Closing costs + prepaids$9,957Not just lender fees.
Before credits & paid funds$19,424The complete starting cash picture.
Estimated remaining funds due at closing
$19,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,466.06
Your down payment$9,466.06
Closing costs + prepaids$9,957.47
Total buyer cash needed$19,423.53
Remaining funds due$19,423.53
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%)$1,277.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$720.50
Prepaid interest, first (2 days)$92.80
Fees + prepaids$9,957.47
Your down payment is the seller’s equity. You take over the $255,434 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $19,423.53 is due at closing. Uses and sources reconcile at $274,857.47 each. Not a Closing Disclosure.