Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,840Cash toward the purchase price.
Closing costs + prepaids$9,187Not just lender fees.
Before credits & paid funds$18,027The complete starting cash picture.
Estimated remaining funds due at closing
$18,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,840.38
Your down payment$8,840.38
Closing costs + prepaids$9,187.08
Total buyer cash needed$18,027.46
Remaining funds due$18,027.46
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%)$2,510.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,210.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.50
Prepaid interest, first (1 days)$45.78
Fees + prepaids$9,187.08
Your down payment is the seller’s equity. You take over the $242,160 balance, so the rest of the $251,000 price is paid at closing. A second mortgage can cover part of it. $18,027.46 is due at closing. Uses and sources reconcile at $260,187.08 each. Not a Closing Disclosure.