Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$11,934Cash toward the purchase price.
Closing costs + prepaids$12,905Not just lender fees.
Before credits & paid funds$24,839The complete starting cash picture.
Estimated remaining funds due at closing
$24,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,933.73
Your down payment$11,933.73
Closing costs + prepaids$12,905.35
Total buyer cash needed$24,839.09
Remaining funds due$24,839.09
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%)$2,859.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,370.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,994.75
Prepaid interest, first (29 days)$1,463.02
Fees + prepaids$12,905.35
Your down payment is the seller’s equity. You take over the $274,016 balance, so the rest of the $285,950 price is paid at closing. A second mortgage can cover part of it. $24,839.09 is due at closing. Uses and sources reconcile at $298,855.35 each. Not a Closing Disclosure.