Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,635Cash toward the purchase price.
Closing costs + prepaids$10,007Not just lender fees.
Before credits & paid funds$28,642The complete starting cash picture.
Estimated remaining funds due at closing
$28,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,634.69
Your down payment$18,634.69
Closing costs + prepaids$10,007.29
Total buyer cash needed$28,641.99
Remaining funds due$28,641.99
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%)$2,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,206.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.75
Initial HOA (3 months)$603.00
Prepaid interest, first (1 days)$32.73
Fees + prepaids$10,007.29
Your down payment is the seller’s equity. You take over the $241,364 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $28,641.99 is due at closing. Uses and sources reconcile at $270,006.29 each. Not a Closing Disclosure.