Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,670Cash toward the purchase price.
Closing costs + prepaids$11,739Not just lender fees.
Before credits & paid funds$25,410The complete starting cash picture.
Estimated remaining funds due at closing
$25,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,670.28
Your down payment$13,670.28
Closing costs + prepaids$11,739.46
Total buyer cash needed$25,409.74
Remaining funds due$25,409.74
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%)$2,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,381.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$871.75
Initial HOA (3 months)$51.24
Prepaid interest, first (26 days)$1,316.84
Fees + prepaids$11,739.46
Your down payment is the seller’s equity. You take over the $276,329 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $25,409.74 is due at closing. Uses and sources reconcile at $301,738.46 each. Not a Closing Disclosure.