Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$14,344Cash toward the purchase price.
Closing costs + prepaids$10,629Not just lender fees.
Before credits & paid funds$24,973The complete starting cash picture.
Estimated remaining funds due at closing
$24,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,344.14
Your down payment$14,344.14
Closing costs + prepaids$10,629.28
Total buyer cash needed$24,973.42
Remaining funds due$24,973.42
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,377.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.50
Initial HOA (3 months)$105.00
Prepaid interest, first (15 days)$667.00
Fees + prepaids$10,629.28
Your down payment is the seller’s equity. You take over the $275,556 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $24,973.42 is due at closing. Uses and sources reconcile at $300,529.28 each. Not a Closing Disclosure.