Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$19,027Cash toward the purchase price.
Closing costs + prepaids$10,265Not just lender fees.
Before credits & paid funds$29,292The complete starting cash picture.
Estimated remaining funds due at closing
$29,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,026.87
Your down payment$19,026.87
Closing costs + prepaids$10,264.65
Total buyer cash needed$29,291.52
Remaining funds due$29,291.52
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%)$2,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,204.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.00
Initial HOA (3 months)$603.00
Prepaid interest, first (10 days)$326.80
Fees + prepaids$10,264.65
Your down payment is the seller’s equity. You take over the $240,972 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $29,291.52 is due at closing. Uses and sources reconcile at $270,263.65 each. Not a Closing Disclosure.