Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$48,507Cash toward the purchase price.
Closing costs + prepaids$10,787Not just lender fees.
Before credits & paid funds$59,294The complete starting cash picture.
Estimated remaining funds due at closing
$59,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,507.31
Your down payment$48,507.31
Closing costs + prepaids$10,787.15
Total buyer cash needed$59,294.45
Remaining funds due$59,294.45
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%)$2,569.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,041.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$321.25
Initial HOA (3 months)$1,392.00
Prepaid interest, first (15 days)$244.93
Fees + prepaids$10,787.15
Your down payment is the seller’s equity. You take over the $208,393 balance, so the rest of the $256,900 price is paid at closing. A second mortgage can cover part of it. $59,294.45 is due at closing. Uses and sources reconcile at $267,687.15 each. Not a Closing Disclosure.