Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$19,235Cash toward the purchase price.
Closing costs + prepaids$9,290Not just lender fees.
Before credits & paid funds$28,525The complete starting cash picture.
Estimated remaining funds due at closing
$28,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,234.93
Your down payment$19,234.93
Closing costs + prepaids$9,290.15
Total buyer cash needed$28,525.09
Remaining funds due$28,525.09
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%)$2,699.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$71.75
Prepaid interest, first (1 days)$47.33
Fees + prepaids$9,290.15
Your down payment is the seller’s equity. You take over the $250,715 balance, so the rest of the $269,950 price is paid at closing. A second mortgage can cover part of it. $28,525.09 is due at closing. Uses and sources reconcile at $279,240.15 each. Not a Closing Disclosure.