Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$1,391Cash toward the purchase price.
Closing costs + prepaids$10,850Not just lender fees.
Before credits & paid funds$12,240The complete starting cash picture.
Estimated remaining funds due at closing
$12,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,390.59
Your down payment$1,390.59
Closing costs + prepaids$10,849.55
Total buyer cash needed$12,240.15
Remaining funds due$12,240.15
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%)$2,619.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,302.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$233.75
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$1,401.26
Fees + prepaids$10,849.55
Your down payment is the seller’s equity. You take over the $260,509 balance, so the rest of the $261,900 price is paid at closing. A second mortgage can cover part of it. $12,240.15 is due at closing. Uses and sources reconcile at $272,749.55 each. Not a Closing Disclosure.