Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,740Cash toward the purchase price.
Closing costs + prepaids$11,544Not just lender fees.
Before credits & paid funds$14,284The complete starting cash picture.
Estimated remaining funds due at closing
$14,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,739.55
Your down payment$2,739.55
Closing costs + prepaids$11,544.39
Total buyer cash needed$14,283.94
Remaining funds due$14,283.94
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%)$2,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,406.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$710.00
Prepaid interest, first (28 days)$1,370.09
Fees + prepaids$11,544.39
Your down payment is the seller’s equity. You take over the $281,260 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $14,283.94 is due at closing. Uses and sources reconcile at $295,544.39 each. Not a Closing Disclosure.