Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,047Cash toward the purchase price.
Closing costs + prepaids$10,371Not just lender fees.
Before credits & paid funds$18,418The complete starting cash picture.
Estimated remaining funds due at closing
$18,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,046.52
Your down payment$8,046.52
Closing costs + prepaids$10,371.14
Total buyer cash needed$18,417.66
Remaining funds due$18,417.66
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%)$1,359.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$175.75
Initial HOA (3 months)$768.00
Prepaid interest, first (1 days)$49.62
Fees + prepaids$10,371.14
Your down payment is the seller’s equity. You take over the $271,953 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $18,417.66 is due at closing. Uses and sources reconcile at $290,371.14 each. Not a Closing Disclosure.