Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$20,520Cash toward the purchase price.
Closing costs + prepaids$10,100Not just lender fees.
Before credits & paid funds$30,620The complete starting cash picture.
Estimated remaining funds due at closing
$30,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,519.79
Your down payment$20,519.79
Closing costs + prepaids$10,099.98
Total buyer cash needed$30,619.77
Remaining funds due$30,619.77
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,197.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.00
Prepaid interest, first (17 days)$759.58
Fees + prepaids$10,099.98
Your down payment is the seller’s equity. You take over the $239,480 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $30,619.77 is due at closing. Uses and sources reconcile at $270,099.98 each. Not a Closing Disclosure.