Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$17,482Cash toward the purchase price.
Closing costs + prepaids$9,767Not just lender fees.
Before credits & paid funds$27,249The complete starting cash picture.
Estimated remaining funds due at closing
$27,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,482.26
Your down payment$17,482.26
Closing costs + prepaids$9,767.06
Total buyer cash needed$27,249.31
Remaining funds due$27,249.31
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,162.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.50
Prepaid interest, first (17 days)$573.97
Fees + prepaids$9,767.06
Your down payment is the seller’s equity. You take over the $232,518 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $27,249.31 is due at closing. Uses and sources reconcile at $259,767.06 each. Not a Closing Disclosure.