Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$9,658Cash toward the purchase price.
Closing costs + prepaids$10,505Not just lender fees.
Before credits & paid funds$20,163The complete starting cash picture.
Estimated remaining funds due at closing
$20,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,657.84
Your down payment$9,657.84
Closing costs + prepaids$10,504.70
Total buyer cash needed$20,162.54
Remaining funds due$20,162.54
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,401.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.00
Prepaid interest, first (12 days)$638.49
Fees + prepaids$10,504.70
Your down payment is the seller’s equity. You take over the $280,242 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $20,162.54 is due at closing. Uses and sources reconcile at $300,404.70 each. Not a Closing Disclosure.