Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,088Cash toward the purchase price.
Closing costs + prepaids$10,558Not just lender fees.
Before credits & paid funds$19,645The complete starting cash picture.
Estimated remaining funds due at closing
$19,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,087.57
Your down payment$9,087.57
Closing costs + prepaids$10,557.74
Total buyer cash needed$19,645.30
Remaining funds due$19,645.30
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%)$2,510.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,209.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.50
Prepaid interest, first (31 days)$1,417.67
Fees + prepaids$10,557.74
Your down payment is the seller’s equity. You take over the $241,912 balance, so the rest of the $251,000 price is paid at closing. A second mortgage can cover part of it. $19,645.30 is due at closing. Uses and sources reconcile at $261,557.74 each. Not a Closing Disclosure.