Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$12,693Cash toward the purchase price.
Closing costs + prepaids$11,119Not just lender fees.
Before credits & paid funds$23,812The complete starting cash picture.
Estimated remaining funds due at closing
$23,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,693.29
Your down payment$12,693.29
Closing costs + prepaids$11,118.91
Total buyer cash needed$23,812.19
Remaining funds due$23,812.19
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%)$2,911.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,392.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$257.25
Prepaid interest, first (26 days)$1,340.62
Fees + prepaids$11,118.91
Your down payment is the seller’s equity. You take over the $278,407 balance, so the rest of the $291,100 price is paid at closing. A second mortgage can cover part of it. $23,812.19 is due at closing. Uses and sources reconcile at $302,218.91 each. Not a Closing Disclosure.