Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$12,214Cash toward the purchase price.
Closing costs + prepaids$10,444Not just lender fees.
Before credits & paid funds$22,658The complete starting cash picture.
Estimated remaining funds due at closing
$22,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,214.11
Your down payment$12,214.11
Closing costs + prepaids$10,444.10
Total buyer cash needed$22,658.21
Remaining funds due$22,658.21
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%)$1,388.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.75
Prepaid interest, first (24 days)$648.42
Fees + prepaids$10,444.10
Your down payment is the seller’s equity. You take over the $277,786 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $22,658.21 is due at closing. Uses and sources reconcile at $300,444.10 each. Not a Closing Disclosure.