Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,069Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$23,697The complete starting cash picture.
Estimated remaining funds due at closing
$23,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,069.44
Your down payment$13,069.44
Closing costs + prepaids$10,627.88
Total buyer cash needed$23,697.33
Remaining funds due$23,697.33
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,209.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.00
Prepaid interest, first (30 days)$1,340.23
Fees + prepaids$10,627.88
Your down payment is the seller’s equity. You take over the $241,931 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $23,697.33 is due at closing. Uses and sources reconcile at $265,627.88 each. Not a Closing Disclosure.