Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$5,506Cash toward the purchase price.
Closing costs + prepaids$10,341Not just lender fees.
Before credits & paid funds$15,847The complete starting cash picture.
Estimated remaining funds due at closing
$15,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,505.89
Your down payment$5,505.89
Closing costs + prepaids$10,341.41
Total buyer cash needed$15,847.30
Remaining funds due$15,847.30
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%)$1,371.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.75
Prepaid interest, first (5 days)$238.69
Fees + prepaids$10,341.41
Your down payment is the seller’s equity. You take over the $274,394 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $15,847.30 is due at closing. Uses and sources reconcile at $290,241.41 each. Not a Closing Disclosure.