Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,148Cash toward the purchase price.
Closing costs + prepaids$11,209Not just lender fees.
Before credits & paid funds$27,358The complete starting cash picture.
Estimated remaining funds due at closing
$27,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,148.18
Your down payment$16,148.18
Closing costs + prepaids$11,209.42
Total buyer cash needed$27,357.59
Remaining funds due$27,357.59
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%)$1,368.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$503.25
Prepaid interest, first (24 days)$1,220.41
Fees + prepaids$11,209.42
Your down payment is the seller’s equity. You take over the $273,752 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $27,357.59 is due at closing. Uses and sources reconcile at $301,109.42 each. Not a Closing Disclosure.