Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$13,124Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$23,743The complete starting cash picture.
Estimated remaining funds due at closing
$23,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,124.40
Your down payment$13,124.40
Closing costs + prepaids$10,618.89
Total buyer cash needed$23,743.29
Remaining funds due$23,743.29
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,384.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.50
Prepaid interest, first (14 days)$754.01
Fees + prepaids$10,618.89
Your down payment is the seller’s equity. You take over the $276,876 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $23,743.29 is due at closing. Uses and sources reconcile at $300,618.89 each. Not a Closing Disclosure.