Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$19,473Cash toward the purchase price.
Closing costs + prepaids$9,919Not just lender fees.
Before credits & paid funds$29,392The complete starting cash picture.
Estimated remaining funds due at closing
$29,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,473.07
Your down payment$19,473.07
Closing costs + prepaids$9,919.42
Total buyer cash needed$29,392.49
Remaining funds due$29,392.49
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%)$2,699.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,252.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.00
Prepaid interest, first (9 days)$425.54
Fees + prepaids$9,919.42
Your down payment is the seller’s equity. You take over the $250,477 balance, so the rest of the $269,950 price is paid at closing. A second mortgage can cover part of it. $29,392.49 is due at closing. Uses and sources reconcile at $279,869.42 each. Not a Closing Disclosure.