Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$5,120Cash toward the purchase price.
Closing costs + prepaids$10,232Not just lender fees.
Before credits & paid funds$15,352The complete starting cash picture.
Estimated remaining funds due at closing
$15,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,120.30
Your down payment$5,120.30
Closing costs + prepaids$10,232.11
Total buyer cash needed$15,352.40
Remaining funds due$15,352.40
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%)$1,274.40
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)$450.00
Prepaid interest, first (9 days)$377.71
Fees + prepaids$10,232.11
Your down payment is the seller’s equity. You take over the $254,880 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $15,352.40 is due at closing. Uses and sources reconcile at $270,232.11 each. Not a Closing Disclosure.