Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$39,847Cash toward the purchase price.
Closing costs + prepaids$10,234Not just lender fees.
Before credits & paid funds$50,081The complete starting cash picture.
Estimated remaining funds due at closing
$50,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,847.34
Your down payment$39,847.34
Closing costs + prepaids$10,233.57
Total buyer cash needed$50,080.91
Remaining funds due$50,080.91
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%)$1,100.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$641.50
Initial HOA (3 months)$309.00
Prepaid interest, first (20 days)$364.31
Fees + prepaids$10,233.57
Your down payment is the seller’s equity. You take over the $220,153 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $50,080.91 is due at closing. Uses and sources reconcile at $270,233.57 each. Not a Closing Disclosure.