Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$9,658Cash toward the purchase price.
Closing costs + prepaids$10,185Not just lender fees.
Before credits & paid funds$19,843The complete starting cash picture.
Estimated remaining funds due at closing
$19,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,657.84
Your down payment$9,657.84
Closing costs + prepaids$10,185.46
Total buyer cash needed$19,843.30
Remaining funds due$19,843.30
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%)$1,401.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.00
Prepaid interest, first (6 days)$319.25
Fees + prepaids$10,185.46
Your down payment is the seller’s equity. You take over the $280,242 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $19,843.30 is due at closing. Uses and sources reconcile at $300,085.46 each. Not a Closing Disclosure.