Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,577Cash toward the purchase price.
Closing costs + prepaids$10,932Not just lender fees.
Before credits & paid funds$12,509The complete starting cash picture.
Estimated remaining funds due at closing
$12,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,577.42
Your down payment$1,577.42
Closing costs + prepaids$10,931.70
Total buyer cash needed$12,509.12
Remaining funds due$12,509.12
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,291.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$945.50
Prepaid interest, first (31 days)$877.59
Fees + prepaids$10,931.70
Your down payment is the seller’s equity. You take over the $258,323 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $12,509.12 is due at closing. Uses and sources reconcile at $270,831.70 each. Not a Closing Disclosure.