Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$20,866Cash toward the purchase price.
Closing costs + prepaids$10,284Not just lender fees.
Before credits & paid funds$31,150The complete starting cash picture.
Estimated remaining funds due at closing
$31,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,866.09
Your down payment$20,866.09
Closing costs + prepaids$10,283.72
Total buyer cash needed$31,149.81
Remaining funds due$31,149.81
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%)$2,789.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,290.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.75
Prepaid interest, first (13 days)$637.80
Fees + prepaids$10,283.72
Your down payment is the seller’s equity. You take over the $258,034 balance, so the rest of the $278,900 price is paid at closing. A second mortgage can cover part of it. $31,149.81 is due at closing. Uses and sources reconcile at $289,183.72 each. Not a Closing Disclosure.