Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,752Cash toward the purchase price.
Closing costs + prepaids$11,391Not just lender fees.
Before credits & paid funds$21,144The complete starting cash picture.
Estimated remaining funds due at closing
$21,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,752.50
Your down payment$9,752.50
Closing costs + prepaids$11,391.46
Total buyer cash needed$21,143.96
Remaining funds due$21,143.96
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,400.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.75
Prepaid interest, first (28 days)$1,469.97
Fees + prepaids$11,391.46
Your down payment is the seller’s equity. You take over the $280,148 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $21,143.96 is due at closing. Uses and sources reconcile at $301,291.46 each. Not a Closing Disclosure.