Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$15,253Cash toward the purchase price.
Closing costs + prepaids$10,127Not just lender fees.
Before credits & paid funds$25,380The complete starting cash picture.
Estimated remaining funds due at closing
$25,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,253.11
Your down payment$15,253.11
Closing costs + prepaids$10,127.22
Total buyer cash needed$25,380.33
Remaining funds due$25,380.33
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%)$1,323.23
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)$450.99
Fees + prepaids$10,127.22
Your down payment is the seller’s equity. You take over the $264,647 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $25,380.33 is due at closing. Uses and sources reconcile at $290,027.22 each. Not a Closing Disclosure.