Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,366Cash toward the purchase price.
Closing costs + prepaids$10,947Not just lender fees.
Before credits & paid funds$39,313The complete starting cash picture.
Estimated remaining funds due at closing
$39,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,366.14
Your down payment$28,366.14
Closing costs + prepaids$10,946.80
Total buyer cash needed$39,312.93
Remaining funds due$39,312.93
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$593.00
Prepaid interest, first (26 days)$1,092.63
Fees + prepaids$10,946.80
Your down payment is the seller’s equity. You take over the $250,634 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $39,312.93 is due at closing. Uses and sources reconcile at $289,946.80 each. Not a Closing Disclosure.