Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$19,648Cash toward the purchase price.
Closing costs + prepaids$11,084Not just lender fees.
Before credits & paid funds$30,733The complete starting cash picture.
Estimated remaining funds due at closing
$30,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,648.19
Your down payment$19,648.19
Closing costs + prepaids$11,084.44
Total buyer cash needed$30,732.63
Remaining funds due$30,732.63
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,301.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.75
Prepaid interest, first (27 days)$1,326.43
Fees + prepaids$11,084.44
Your down payment is the seller’s equity. You take over the $260,252 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $30,732.63 is due at closing. Uses and sources reconcile at $290,984.44 each. Not a Closing Disclosure.