Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$19,349Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$29,938The complete starting cash picture.
Estimated remaining funds due at closing
$29,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,349.32
Your down payment$19,349.32
Closing costs + prepaids$10,588.68
Total buyer cash needed$29,938.00
Remaining funds due$29,938.00
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,302.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.75
Prepaid interest, first (15 days)$744.18
Fees + prepaids$10,588.68
Your down payment is the seller’s equity. You take over the $260,551 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $29,938.00 is due at closing. Uses and sources reconcile at $290,488.68 each. Not a Closing Disclosure.