Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$12,968Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$24,922The complete starting cash picture.
Estimated remaining funds due at closing
$24,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,967.63
Your down payment$12,967.63
Closing costs + prepaids$11,954.73
Total buyer cash needed$24,922.36
Remaining funds due$24,922.36
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,185.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,709.25
Prepaid interest, first (30 days)$1,342.32
Fees + prepaids$11,954.73
Your down payment is the seller’s equity. You take over the $237,032 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $24,922.36 is due at closing. Uses and sources reconcile at $261,954.73 each. Not a Closing Disclosure.