Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$8,513Cash toward the purchase price.
Closing costs + prepaids$11,182Not just lender fees.
Before credits & paid funds$19,694The complete starting cash picture.
Estimated remaining funds due at closing
$19,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,512.72
Your down payment$8,512.72
Closing costs + prepaids$11,181.67
Total buyer cash needed$19,694.39
Remaining funds due$19,694.39
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%)$1,356.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$476.75
Prepaid interest, first (27 days)$1,330.99
Fees + prepaids$11,181.67
Your down payment is the seller’s equity. You take over the $271,387 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $19,694.39 is due at closing. Uses and sources reconcile at $291,081.67 each. Not a Closing Disclosure.