Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$16,154Cash toward the purchase price.
Closing costs + prepaids$10,411Not just lender fees.
Before credits & paid funds$26,565The complete starting cash picture.
Estimated remaining funds due at closing
$26,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,153.67
Your down payment$16,153.67
Closing costs + prepaids$10,411.21
Total buyer cash needed$26,564.88
Remaining funds due$26,564.88
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%)$2,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$879.00
Prepaid interest, first (2 days)$104.98
Fees + prepaids$10,411.21
Your down payment is the seller’s equity. You take over the $269,846 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $26,564.88 is due at closing. Uses and sources reconcile at $296,411.21 each. Not a Closing Disclosure.