Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$5,918Cash toward the purchase price.
Closing costs + prepaids$11,710Not just lender fees.
Before credits & paid funds$17,628The complete starting cash picture.
Estimated remaining funds due at closing
$17,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,918.18
Your down payment$5,918.18
Closing costs + prepaids$11,709.87
Total buyer cash needed$17,628.05
Remaining funds due$17,628.05
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,420.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$428.00
Initial HOA (3 months)$1,170.00
Prepaid interest, first (24 days)$573.46
Fees + prepaids$11,709.87
Your down payment is the seller’s equity. You take over the $284,082 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $17,628.05 is due at closing. Uses and sources reconcile at $301,709.87 each. Not a Closing Disclosure.