Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,421Cash toward the purchase price.
Closing costs + prepaids$11,827Not just lender fees.
Before credits & paid funds$18,248The complete starting cash picture.
Estimated remaining funds due at closing
$18,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,421.46
Your down payment$6,421.46
Closing costs + prepaids$11,826.86
Total buyer cash needed$18,248.33
Remaining funds due$18,248.33
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,267.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,616.75
Prepaid interest, first (31 days)$1,124.22
Fees + prepaids$11,826.86
Your down payment is the seller’s equity. You take over the $253,579 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $18,248.33 is due at closing. Uses and sources reconcile at $271,826.86 each. Not a Closing Disclosure.