Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,540Cash toward the purchase price.
Closing costs + prepaids$12,049Not just lender fees.
Before credits & paid funds$29,590The complete starting cash picture.
Estimated remaining funds due at closing
$29,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,540.45
Your down payment$17,540.45
Closing costs + prepaids$12,049.44
Total buyer cash needed$29,589.89
Remaining funds due$29,589.89
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,357.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,327.25
Prepaid interest, first (26 days)$1,256.89
Fees + prepaids$12,049.44
Your down payment is the seller’s equity. You take over the $271,460 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $29,589.89 is due at closing. Uses and sources reconcile at $301,049.44 each. Not a Closing Disclosure.