Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$32,706Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$44,137The complete starting cash picture.
Estimated remaining funds due at closing
$44,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,706.37
Your down payment$32,706.37
Closing costs + prepaids$11,430.40
Total buyer cash needed$44,136.77
Remaining funds due$44,136.77
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,136.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,226.25
Prepaid interest, first (29 days)$1,249.68
Fees + prepaids$11,430.40
Your down payment is the seller’s equity. You take over the $227,294 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $44,136.77 is due at closing. Uses and sources reconcile at $271,430.40 each. Not a Closing Disclosure.