Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$6,213Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$18,440The complete starting cash picture.
Estimated remaining funds due at closing
$18,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,212.66
Your down payment$6,212.66
Closing costs + prepaids$12,227.34
Total buyer cash needed$18,439.99
Remaining funds due$18,439.99
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%)$2,889.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,413.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,350.75
Initial HOA (3 months)$189.00
Prepaid interest, first (22 days)$1,167.15
Fees + prepaids$12,227.34
Your down payment is the seller’s equity. You take over the $282,687 balance, so the rest of the $288,900 price is paid at closing. A second mortgage can cover part of it. $18,439.99 is due at closing. Uses and sources reconcile at $301,127.34 each. Not a Closing Disclosure.