Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$248,886Cash toward the purchase price.
Closing costs + prepaids$8,370Not just lender fees.
Before credits & paid funds$257,256The complete starting cash picture.
Estimated remaining funds due at closing
$257,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,885.93
Your down payment$248,885.93
Closing costs + prepaids$8,369.68
Total buyer cash needed$257,255.61
Remaining funds due$257,255.61
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%)$80.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.50
Prepaid interest, first (31 days)$54.61
Fees + prepaids$8,369.68
Your down payment is the seller’s equity. You take over the $16,114 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $257,255.61 is due at closing. Uses and sources reconcile at $273,369.68 each. Not a Closing Disclosure.