Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,940Cash toward the purchase price.
Closing costs + prepaids$12,016Not just lender fees.
Before credits & paid funds$46,956The complete starting cash picture.
Estimated remaining funds due at closing
$46,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,940.08
Your down payment$34,940.08
Closing costs + prepaids$12,016.24
Total buyer cash needed$46,956.32
Remaining funds due$46,956.32
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%)$2,799.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,225.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,737.50
Prepaid interest, first (25 days)$1,035.59
Fees + prepaids$12,016.24
Your down payment is the seller’s equity. You take over the $245,050 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $46,956.32 is due at closing. Uses and sources reconcile at $292,006.24 each. Not a Closing Disclosure.