Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$8,369Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$20,225The complete starting cash picture.
Estimated remaining funds due at closing
$20,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,368.66
Your down payment$8,368.66
Closing costs + prepaids$11,856.37
Total buyer cash needed$20,225.04
Remaining funds due$20,225.04
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%)$1,358.16
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 (31 days)$1,536.47
Fees + prepaids$11,856.37
Your down payment is the seller’s equity. You take over the $271,631 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $20,225.04 is due at closing. Uses and sources reconcile at $291,856.37 each. Not a Closing Disclosure.