Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$13,383Cash toward the purchase price.
Closing costs + prepaids$10,734Not just lender fees.
Before credits & paid funds$24,117The complete starting cash picture.
Estimated remaining funds due at closing
$24,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,383.09
Your down payment$13,383.09
Closing costs + prepaids$10,733.81
Total buyer cash needed$24,116.90
Remaining funds due$24,116.90
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.50
Prepaid interest, first (19 days)$981.22
Fees + prepaids$10,733.81
Your down payment is the seller’s equity. You take over the $266,617 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $24,116.90 is due at closing. Uses and sources reconcile at $290,733.81 each. Not a Closing Disclosure.