Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,789Cash toward the purchase price.
Closing costs + prepaids$10,296Not just lender fees.
Before credits & paid funds$26,085The complete starting cash picture.
Estimated remaining funds due at closing
$26,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,789.15
Your down payment$15,789.15
Closing costs + prepaids$10,295.81
Total buyer cash needed$26,084.96
Remaining funds due$26,084.96
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%)$2,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,341.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$798.00
Prepaid interest, first (2 days)$98.76
Fees + prepaids$10,295.81
Your down payment is the seller’s equity. You take over the $268,211 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $26,084.96 is due at closing. Uses and sources reconcile at $294,295.81 each. Not a Closing Disclosure.