Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,923Cash toward the purchase price.
Closing costs + prepaids$11,449Not just lender fees.
Before credits & paid funds$24,372The complete starting cash picture.
Estimated remaining funds due at closing
$24,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,923.35
Your down payment$12,923.35
Closing costs + prepaids$11,448.72
Total buyer cash needed$24,372.07
Remaining funds due$24,372.07
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.25
Prepaid interest, first (25 days)$1,309.59
Fees + prepaids$11,448.72
Your down payment is the seller’s equity. You take over the $271,977 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $24,372.07 is due at closing. Uses and sources reconcile at $296,348.72 each. Not a Closing Disclosure.