Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$45,184Cash toward the purchase price.
Closing costs + prepaids$9,646Not just lender fees.
Before credits & paid funds$54,830The complete starting cash picture.
Estimated remaining funds due at closing
$54,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,184.24
Your down payment$45,184.24
Closing costs + prepaids$9,646.19
Total buyer cash needed$54,830.43
Remaining funds due$54,830.43
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%)$1,074.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.00
Prepaid interest, first (12 days)$442.11
Fees + prepaids$9,646.19
Your down payment is the seller’s equity. You take over the $214,816 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $54,830.43 is due at closing. Uses and sources reconcile at $269,646.19 each. Not a Closing Disclosure.