Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,972Cash toward the purchase price.
Closing costs + prepaids$11,694Not just lender fees.
Before credits & paid funds$22,666The complete starting cash picture.
Estimated remaining funds due at closing
$22,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,972.26
Your down payment$10,972.26
Closing costs + prepaids$11,693.80
Total buyer cash needed$22,666.06
Remaining funds due$22,666.06
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%)$1,395.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$725.00
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$1,335.66
Fees + prepaids$11,693.80
Your down payment is the seller’s equity. You take over the $279,028 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $22,666.06 is due at closing. Uses and sources reconcile at $301,693.80 each. Not a Closing Disclosure.