Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$3,128Cash toward the purchase price.
Closing costs + prepaids$11,274Not just lender fees.
Before credits & paid funds$14,402The complete starting cash picture.
Estimated remaining funds due at closing
$14,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,127.90
Your down payment$3,127.90
Closing costs + prepaids$11,274.20
Total buyer cash needed$14,402.10
Remaining funds due$14,402.10
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,383.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$729.25
Prepaid interest, first (23 days)$1,144.09
Fees + prepaids$11,274.20
Your down payment is the seller’s equity. You take over the $276,772 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $14,402.10 is due at closing. Uses and sources reconcile at $291,174.20 each. Not a Closing Disclosure.