Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$16,414Cash toward the purchase price.
Closing costs + prepaids$11,511Not just lender fees.
Before credits & paid funds$27,925The complete starting cash picture.
Estimated remaining funds due at closing
$27,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,414.09
Your down payment$16,414.09
Closing costs + prepaids$11,511.05
Total buyer cash needed$27,925.14
Remaining funds due$27,925.14
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%)$2,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$879.00
Prepaid interest, first (23 days)$1,206.12
Fees + prepaids$11,511.05
Your down payment is the seller’s equity. You take over the $269,586 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $27,925.14 is due at closing. Uses and sources reconcile at $297,511.05 each. Not a Closing Disclosure.