Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,213Cash toward the purchase price.
Closing costs + prepaids$12,652Not just lender fees.
Before credits & paid funds$18,864The complete starting cash picture.
Estimated remaining funds due at closing
$18,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,212.66
Your down payment$6,212.66
Closing costs + prepaids$12,651.76
Total buyer cash needed$18,864.41
Remaining funds due$18,864.41
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%)$2,889.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,413.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,350.75
Initial HOA (3 months)$189.00
Prepaid interest, first (30 days)$1,591.57
Fees + prepaids$12,651.76
Your down payment is the seller’s equity. You take over the $282,687 balance, so the rest of the $288,900 price is paid at closing. A second mortgage can cover part of it. $18,864.41 is due at closing. Uses and sources reconcile at $301,551.76 each. Not a Closing Disclosure.