Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$7,068Cash toward the purchase price.
Closing costs + prepaids$10,136Not just lender fees.
Before credits & paid funds$17,203The complete starting cash picture.
Estimated remaining funds due at closing
$17,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,067.87
Your down payment$7,067.87
Closing costs + prepaids$10,135.51
Total buyer cash needed$17,203.38
Remaining funds due$17,203.38
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$331.25
Prepaid interest, first (15 days)$646.60
Fees + prepaids$10,135.51
Your down payment is the seller’s equity. You take over the $257,932 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $17,203.38 is due at closing. Uses and sources reconcile at $275,135.51 each. Not a Closing Disclosure.