Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$11,648Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$22,124The complete starting cash picture.
Estimated remaining funds due at closing
$22,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,647.87
Your down payment$11,647.87
Closing costs + prepaids$10,476.16
Total buyer cash needed$22,124.03
Remaining funds due$22,124.03
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%)$2,855.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,369.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.00
Prepaid interest, first (13 days)$676.90
Fees + prepaids$10,476.16
Your down payment is the seller’s equity. You take over the $273,852 balance, so the rest of the $285,500 price is paid at closing. A second mortgage can cover part of it. $22,124.03 is due at closing. Uses and sources reconcile at $295,976.16 each. Not a Closing Disclosure.