Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,395Cash toward the purchase price.
Closing costs + prepaids$11,138Not just lender fees.
Before credits & paid funds$54,533The complete starting cash picture.
Estimated remaining funds due at closing
$54,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,394.96
Your down payment$43,394.96
Closing costs + prepaids$11,138.06
Total buyer cash needed$54,533.02
Remaining funds due$54,533.02
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,207.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.25
Prepaid interest, first (25 days)$1,151.28
Fees + prepaids$11,138.06
Your down payment is the seller’s equity. You take over the $241,505 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $54,533.02 is due at closing. Uses and sources reconcile at $296,038.06 each. Not a Closing Disclosure.