Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,462Cash toward the purchase price.
Closing costs + prepaids$10,723Not just lender fees.
Before credits & paid funds$56,185The complete starting cash picture.
Estimated remaining funds due at closing
$56,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,462.33
Your down payment$45,462.33
Closing costs + prepaids$10,723.10
Total buyer cash needed$56,185.43
Remaining funds due$56,185.43
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,167.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.50
Prepaid interest, first (25 days)$1,066.92
Fees + prepaids$10,723.10
Your down payment is the seller’s equity. You take over the $233,538 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $56,185.43 is due at closing. Uses and sources reconcile at $289,723.10 each. Not a Closing Disclosure.