Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,250Cash toward the purchase price.
Closing costs + prepaids$12,857Not just lender fees.
Before credits & paid funds$37,108The complete starting cash picture.
Estimated remaining funds due at closing
$37,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,250.48
Your down payment$24,250.48
Closing costs + prepaids$12,857.28
Total buyer cash needed$37,107.76
Remaining funds due$37,107.76
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%)$2,977.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,367.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,075.00
Prepaid interest, first (24 days)$1,219.28
Fees + prepaids$12,857.28
Your down payment is the seller’s equity. You take over the $273,500 balance, so the rest of the $297,750 price is paid at closing. A second mortgage can cover part of it. $37,107.76 is due at closing. Uses and sources reconcile at $310,607.28 each. Not a Closing Disclosure.