Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$284,242Cash toward the purchase price.
Closing costs + prepaids$9,697Not just lender fees.
Before credits & paid funds$293,939The complete starting cash picture.
Estimated remaining funds due at closing
$293,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,242.25
Your down payment$284,242.25
Closing costs + prepaids$9,697.22
Total buyer cash needed$293,939.47
Remaining funds due$293,939.47
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$23.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.00
Initial HOA (3 months)$993.00
Prepaid interest, first (25 days)$10.43
Fees + prepaids$9,697.22
Your down payment is the seller’s equity. You take over the $4,758 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $293,939.47 is due at closing. Uses and sources reconcile at $298,697.22 each. Not a Closing Disclosure.