Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$6,386Cash toward the purchase price.
Closing costs + prepaids$9,851Not just lender fees.
Before credits & paid funds$16,236The complete starting cash picture.
Estimated remaining funds due at closing
$16,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,385.65
Your down payment$6,385.65
Closing costs + prepaids$9,850.73
Total buyer cash needed$16,236.38
Remaining funds due$16,236.38
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,242.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.00
Initial HOA (3 months)$123.99
Prepaid interest, first (9 days)$411.17
Fees + prepaids$9,850.73
Your down payment is the seller’s equity. You take over the $248,514 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $16,236.38 is due at closing. Uses and sources reconcile at $264,750.73 each. Not a Closing Disclosure.