Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$13,581Cash toward the purchase price.
Closing costs + prepaids$10,584Not just lender fees.
Before credits & paid funds$24,164The complete starting cash picture.
Estimated remaining funds due at closing
$24,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,580.90
Your down payment$13,580.90
Closing costs + prepaids$10,583.54
Total buyer cash needed$24,164.44
Remaining funds due$24,164.44
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,357.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.00
Prepaid interest, first (23 days)$670.44
Fees + prepaids$10,583.54
Your down payment is the seller’s equity. You take over the $271,419 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $24,164.44 is due at closing. Uses and sources reconcile at $295,583.54 each. Not a Closing Disclosure.