Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,491Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$36,512The complete starting cash picture.
Estimated remaining funds due at closing
$36,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,491.09
Your down payment$26,491.09
Closing costs + prepaids$10,020.81
Total buyer cash needed$36,511.91
Remaining funds due$36,511.91
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%)$2,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,265.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.75
Prepaid interest, first (1 days)$44.02
Fees + prepaids$10,020.81
Your down payment is the seller’s equity. You take over the $253,009 balance, so the rest of the $279,500 price is paid at closing. A second mortgage can cover part of it. $36,511.91 is due at closing. Uses and sources reconcile at $289,520.81 each. Not a Closing Disclosure.