Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$27,927Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$38,431The complete starting cash picture.
Estimated remaining funds due at closing
$38,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,926.71
Your down payment$27,926.71
Closing costs + prepaids$10,504.41
Total buyer cash needed$38,431.11
Remaining funds due$38,431.11
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,185.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.00
Prepaid interest, first (24 days)$1,127.04
Fees + prepaids$10,504.41
Your down payment is the seller’s equity. You take over the $237,073 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $38,431.11 is due at closing. Uses and sources reconcile at $275,504.41 each. Not a Closing Disclosure.