Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$5,923Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$18,841The complete starting cash picture.
Estimated remaining funds due at closing
$18,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,922.97
Your down payment$5,922.97
Closing costs + prepaids$12,918.08
Total buyer cash needed$18,841.05
Remaining funds due$18,841.05
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%)$1,369.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,391.75
Prepaid interest, first (23 days)$1,139.44
Fees + prepaids$12,918.08
Your down payment is the seller’s equity. You take over the $273,977 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $18,841.05 is due at closing. Uses and sources reconcile at $292,818.08 each. Not a Closing Disclosure.