Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$8,369Cash toward the purchase price.
Closing costs + prepaids$10,976Not just lender fees.
Before credits & paid funds$19,344The complete starting cash picture.
Estimated remaining funds due at closing
$19,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,368.66
Your down payment$8,368.66
Closing costs + prepaids$10,975.79
Total buyer cash needed$19,344.45
Remaining funds due$19,344.45
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%)$1,358.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.00
Initial HOA (3 months)$768.00
Prepaid interest, first (10 days)$495.63
Fees + prepaids$10,975.79
Your down payment is the seller’s equity. You take over the $271,631 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $19,344.45 is due at closing. Uses and sources reconcile at $290,975.79 each. Not a Closing Disclosure.