Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$858Cash toward the purchase price.
Closing costs + prepaids$11,469Not just lender fees.
Before credits & paid funds$12,327The complete starting cash picture.
Estimated remaining funds due at closing
$12,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$857.98
Your down payment$857.98
Closing costs + prepaids$11,468.57
Total buyer cash needed$12,326.55
Remaining funds due$12,326.55
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%)$1,445.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$725.00
Prepaid interest, first (22 days)$1,179.86
Fees + prepaids$11,468.57
Your down payment is the seller’s equity. You take over the $289,142 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $12,326.55 is due at closing. Uses and sources reconcile at $301,468.57 each. Not a Closing Disclosure.