Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,967Cash toward the purchase price.
Closing costs + prepaids$12,073Not just lender fees.
Before credits & paid funds$23,040The complete starting cash picture.
Estimated remaining funds due at closing
$23,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,966.75
Your down payment$10,966.75
Closing costs + prepaids$12,073.16
Total buyer cash needed$23,039.91
Remaining funds due$23,039.91
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,394.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,076.50
Prepaid interest, first (28 days)$1,484.99
Fees + prepaids$12,073.16
Your down payment is the seller’s equity. You take over the $278,933 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $23,039.91 is due at closing. Uses and sources reconcile at $301,973.16 each. Not a Closing Disclosure.