Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,867Cash toward the purchase price.
Closing costs + prepaids$10,707Not just lender fees.
Before credits & paid funds$26,574The complete starting cash picture.
Estimated remaining funds due at closing
$26,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,867.19
Your down payment$15,867.19
Closing costs + prepaids$10,706.54
Total buyer cash needed$26,573.73
Remaining funds due$26,573.73
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$700.25
Prepaid interest, first (31 days)$1,269.13
Fees + prepaids$10,706.54
Your down payment is the seller’s equity. You take over the $224,033 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $26,573.73 is due at closing. Uses and sources reconcile at $250,606.54 each. Not a Closing Disclosure.