Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$2,323Cash toward the purchase price.
Closing costs + prepaids$9,734Not just lender fees.
Before credits & paid funds$12,057The complete starting cash picture.
Estimated remaining funds due at closing
$12,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,323.49
Your down payment$2,323.49
Closing costs + prepaids$9,733.76
Total buyer cash needed$12,057.26
Remaining funds due$12,057.26
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,183.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.75
Prepaid interest, first (14 days)$643.63
Fees + prepaids$9,733.76
Your down payment is the seller’s equity. You take over the $236,677 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $12,057.26 is due at closing. Uses and sources reconcile at $248,733.76 each. Not a Closing Disclosure.