Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$11,544Cash toward the purchase price.
Closing costs + prepaids$11,392Not just lender fees.
Before credits & paid funds$22,936The complete starting cash picture.
Estimated remaining funds due at closing
$22,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,544.06
Your down payment$11,544.06
Closing costs + prepaids$11,391.88
Total buyer cash needed$22,935.95
Remaining funds due$22,935.95
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%)$1,339.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$610.75
Initial HOA (3 months)$300.00
Prepaid interest, first (29 days)$1,128.35
Fees + prepaids$11,391.88
Your down payment is the seller’s equity. You take over the $267,956 balance, so the rest of the $279,500 price is paid at closing. A second mortgage can cover part of it. $22,935.95 is due at closing. Uses and sources reconcile at $290,891.88 each. Not a Closing Disclosure.