Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$19,842Cash toward the purchase price.
Closing costs + prepaids$10,819Not just lender fees.
Before credits & paid funds$30,661The complete starting cash picture.
Estimated remaining funds due at closing
$30,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,842.14
Your down payment$19,842.14
Closing costs + prepaids$10,819.07
Total buyer cash needed$30,661.21
Remaining funds due$30,661.21
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%)$2,710.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.25
Initial HOA (3 months)$879.00
Prepaid interest, first (12 days)$431.03
Fees + prepaids$10,819.07
Your down payment is the seller’s equity. You take over the $251,158 balance, so the rest of the $271,000 price is paid at closing. A second mortgage can cover part of it. $30,661.21 is due at closing. Uses and sources reconcile at $281,819.07 each. Not a Closing Disclosure.