Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,048Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$15,254The complete starting cash picture.
Estimated remaining funds due at closing
$15,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,048.41
Your down payment$3,048.41
Closing costs + prepaids$12,206.00
Total buyer cash needed$15,254.42
Remaining funds due$15,254.42
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%)$1,429.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$762.25
Initial HOA (3 months)$582.00
Prepaid interest, first (26 days)$1,324.00
Fees + prepaids$12,206.00
Your down payment is the seller’s equity. You take over the $285,952 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $15,254.42 is due at closing. Uses and sources reconcile at $301,206.00 each. Not a Closing Disclosure.