Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$30,187Cash toward the purchase price.
Closing costs + prepaids$9,863Not just lender fees.
Before credits & paid funds$40,051The complete starting cash picture.
Estimated remaining funds due at closing
$40,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,187.44
Your down payment$30,187.44
Closing costs + prepaids$9,863.26
Total buyer cash needed$40,050.70
Remaining funds due$40,050.70
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%)$1,149.06
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 (14 days)$571.19
Fees + prepaids$9,863.26
Your down payment is the seller’s equity. You take over the $229,813 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $40,050.70 is due at closing. Uses and sources reconcile at $269,863.26 each. Not a Closing Disclosure.