Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$21,755Cash toward the purchase price.
Closing costs + prepaids$10,223Not just lender fees.
Before credits & paid funds$31,978The complete starting cash picture.
Estimated remaining funds due at closing
$31,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,754.81
Your down payment$21,754.81
Closing costs + prepaids$10,223.46
Total buyer cash needed$31,978.27
Remaining funds due$31,978.27
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%)$1,191.23
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 (21 days)$405.73
Fees + prepaids$10,223.46
Your down payment is the seller’s equity. You take over the $238,245 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $31,978.27 is due at closing. Uses and sources reconcile at $270,223.46 each. Not a Closing Disclosure.