Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,992Cash toward the purchase price.
Closing costs + prepaids$11,495Not just lender fees.
Before credits & paid funds$13,487The complete starting cash picture.
Estimated remaining funds due at closing
$13,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,991.71
Your down payment$1,991.71
Closing costs + prepaids$11,495.35
Total buyer cash needed$13,487.07
Remaining funds due$13,487.07
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%)$2,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,375.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,250.25
Prepaid interest, first (23 days)$882.06
Fees + prepaids$11,495.35
Your down payment is the seller’s equity. You take over the $275,008 balance, so the rest of the $277,000 price is paid at closing. A second mortgage can cover part of it. $13,487.07 is due at closing. Uses and sources reconcile at $288,495.35 each. Not a Closing Disclosure.