Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$13,108Cash toward the purchase price.
Closing costs + prepaids$9,806Not just lender fees.
Before credits & paid funds$22,913The complete starting cash picture.
Estimated remaining funds due at closing
$22,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,107.61
Your down payment$13,107.61
Closing costs + prepaids$9,805.66
Total buyer cash needed$22,913.27
Remaining funds due$22,913.27
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%)$1,334.46
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 (1 days)$51.70
Fees + prepaids$9,805.66
Your down payment is the seller’s equity. You take over the $266,892 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $22,913.27 is due at closing. Uses and sources reconcile at $289,805.66 each. Not a Closing Disclosure.