Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$570Cash toward the purchase price.
Closing costs + prepaids$9,864Not just lender fees.
Before credits & paid funds$10,434The complete starting cash picture.
Estimated remaining funds due at closing
$10,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$570.35
Your down payment$570.35
Closing costs + prepaids$9,863.60
Total buyer cash needed$10,433.95
Remaining funds due$10,433.95
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%)$2,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Prepaid interest, first (21 days)$923.45
Fees + prepaids$9,863.60
Your down payment is the seller’s equity. You take over the $246,930 balance, so the rest of the $247,500 price is paid at closing. A second mortgage can cover part of it. $10,433.95 is due at closing. Uses and sources reconcile at $257,363.60 each. Not a Closing Disclosure.