Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$5,453Cash toward the purchase price.
Closing costs + prepaids$10,926Not just lender fees.
Before credits & paid funds$16,379The complete starting cash picture.
Estimated remaining funds due at closing
$16,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,453.24
Your down payment$5,453.24
Closing costs + prepaids$10,925.89
Total buyer cash needed$16,379.12
Remaining funds due$16,379.12
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.75
Prepaid interest, first (24 days)$1,141.40
Fees + prepaids$10,925.89
Your down payment is the seller’s equity. You take over the $269,547 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $16,379.12 is due at closing. Uses and sources reconcile at $285,925.89 each. Not a Closing Disclosure.