Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,811Cash toward the purchase price.
Closing costs + prepaids$11,675Not just lender fees.
Before credits & paid funds$30,486The complete starting cash picture.
Estimated remaining funds due at closing
$30,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,811.21
Your down payment$18,811.21
Closing costs + prepaids$11,674.96
Total buyer cash needed$30,486.17
Remaining funds due$30,486.17
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%)$1,350.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$722.50
Prepaid interest, first (26 days)$1,493.51
Fees + prepaids$11,674.96
Your down payment is the seller’s equity. You take over the $270,189 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $30,486.17 is due at closing. Uses and sources reconcile at $300,674.96 each. Not a Closing Disclosure.