Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$13,533Cash toward the purchase price.
Closing costs + prepaids$11,326Not just lender fees.
Before credits & paid funds$24,859The complete starting cash picture.
Estimated remaining funds due at closing
$24,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,533.10
Your down payment$13,533.10
Closing costs + prepaids$11,325.84
Total buyer cash needed$24,858.94
Remaining funds due$24,858.94
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%)$2,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.25
Initial HOA (3 months)$1,104.00
Prepaid interest, first (15 days)$700.26
Fees + prepaids$11,325.84
Your down payment is the seller’s equity. You take over the $255,467 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $24,858.94 is due at closing. Uses and sources reconcile at $280,325.84 each. Not a Closing Disclosure.