Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,019Cash toward the purchase price.
Closing costs + prepaids$11,971Not just lender fees.
Before credits & paid funds$37,991The complete starting cash picture.
Estimated remaining funds due at closing
$37,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,019.28
Your down payment$26,019.28
Closing costs + prepaids$11,971.45
Total buyer cash needed$37,990.73
Remaining funds due$37,990.73
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%)$2,845.97
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,292.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.75
Initial HOA (3 months)$732.00
Prepaid interest, first (28 days)$1,350.84
Fees + prepaids$11,971.45
Your down payment is the seller’s equity. You take over the $258,578 balance, so the rest of the $284,597 price is paid at closing. A second mortgage can cover part of it. $37,990.73 is due at closing. Uses and sources reconcile at $296,568.45 each. Not a Closing Disclosure.