Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$4,523Cash toward the purchase price.
Closing costs + prepaids$11,521Not just lender fees.
Before credits & paid funds$16,044The complete starting cash picture.
Estimated remaining funds due at closing
$16,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,522.76
Your down payment$4,522.76
Closing costs + prepaids$11,520.87
Total buyer cash needed$16,043.63
Remaining funds due$16,043.63
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,252.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.25
Initial HOA (3 months)$1,620.00
Prepaid interest, first (5 days)$230.23
Fees + prepaids$11,520.87
Your down payment is the seller’s equity. You take over the $250,477 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $16,043.63 is due at closing. Uses and sources reconcile at $266,520.87 each. Not a Closing Disclosure.