Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,451Cash toward the purchase price.
Closing costs + prepaids$11,622Not just lender fees.
Before credits & paid funds$31,074The complete starting cash picture.
Estimated remaining funds due at closing
$31,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,451.47
Your down payment$19,451.47
Closing costs + prepaids$11,622.09
Total buyer cash needed$31,073.56
Remaining funds due$31,073.56
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%)$2,859.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,332.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$714.75
Prepaid interest, first (31 days)$1,498.10
Fees + prepaids$11,622.09
Your down payment is the seller’s equity. You take over the $266,449 balance, so the rest of the $285,900 price is paid at closing. A second mortgage can cover part of it. $31,073.56 is due at closing. Uses and sources reconcile at $297,522.09 each. Not a Closing Disclosure.