Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$49,319Cash toward the purchase price.
Closing costs + prepaids$10,772Not just lender fees.
Before credits & paid funds$60,091The complete starting cash picture.
Estimated remaining funds due at closing
$60,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,319.06
Your down payment$49,319.06
Closing costs + prepaids$10,771.89
Total buyer cash needed$60,090.96
Remaining funds due$60,090.96
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,128.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.50
Prepaid interest, first (29 days)$987.99
Fees + prepaids$10,771.89
Your down payment is the seller’s equity. You take over the $225,681 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $60,090.96 is due at closing. Uses and sources reconcile at $285,771.89 each. Not a Closing Disclosure.