Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$13,383Cash toward the purchase price.
Closing costs + prepaids$10,204Not just lender fees.
Before credits & paid funds$23,587The complete starting cash picture.
Estimated remaining funds due at closing
$23,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,383.09
Your down payment$13,383.09
Closing costs + prepaids$10,203.52
Total buyer cash needed$23,586.61
Remaining funds due$23,586.61
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.00
Prepaid interest, first (10 days)$516.43
Fees + prepaids$10,203.52
Your down payment is the seller’s equity. You take over the $266,617 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $23,586.61 is due at closing. Uses and sources reconcile at $290,203.52 each. Not a Closing Disclosure.