Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,047Cash toward the purchase price.
Closing costs + prepaids$10,421Not just lender fees.
Before credits & paid funds$18,467The complete starting cash picture.
Estimated remaining funds due at closing
$18,467No 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$10,420.76
Total buyer cash needed$18,467.28
Remaining funds due$18,467.28
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 (2 days)$99.24
Fees + prepaids$10,420.76
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. $18,467.28 is due at closing. Uses and sources reconcile at $290,420.76 each. Not a Closing Disclosure.