Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$17,462Cash toward the purchase price.
Closing costs + prepaids$10,685Not just lender fees.
Before credits & paid funds$28,147The complete starting cash picture.
Estimated remaining funds due at closing
$28,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,461.94
Your down payment$17,461.94
Closing costs + prepaids$10,685.08
Total buyer cash needed$28,147.02
Remaining funds due$28,147.02
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%)$2,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$465.00
Prepaid interest, first (25 days)$1,054.39
Fees + prepaids$10,685.08
Your down payment is the seller’s equity. You take over the $251,538 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $28,147.02 is due at closing. Uses and sources reconcile at $279,685.08 each. Not a Closing Disclosure.