Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,211Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$31,051The complete starting cash picture.
Estimated remaining funds due at closing
$31,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,211.31
Your down payment$21,211.31
Closing costs + prepaids$9,839.81
Total buyer cash needed$31,051.12
Remaining funds due$31,051.12
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%)$1,193.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$733.50
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$19.36
Fees + prepaids$9,839.81
Your down payment is the seller’s equity. You take over the $238,789 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $31,051.12 is due at closing. Uses and sources reconcile at $269,839.81 each. Not a Closing Disclosure.