Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,349Cash toward the purchase price.
Closing costs + prepaids$11,366Not just lender fees.
Before credits & paid funds$30,715The complete starting cash picture.
Estimated remaining funds due at closing
$30,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,349.32
Your down payment$19,349.32
Closing costs + prepaids$11,365.85
Total buyer cash needed$30,715.18
Remaining funds due$30,715.18
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%)$1,302.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$557.75
Prepaid interest, first (30 days)$1,488.35
Fees + prepaids$11,365.85
Your down payment is the seller’s equity. You take over the $260,551 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $30,715.18 is due at closing. Uses and sources reconcile at $291,265.85 each. Not a Closing Disclosure.