Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,328Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$44,281The complete starting cash picture.
Estimated remaining funds due at closing
$44,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,327.92
Your down payment$32,327.92
Closing costs + prepaids$11,953.23
Total buyer cash needed$44,281.15
Remaining funds due$44,281.15
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,238.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,355.50
Prepaid interest, first (28 days)$1,341.36
Fees + prepaids$11,953.23
Your down payment is the seller’s equity. You take over the $247,672 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $44,281.15 is due at closing. Uses and sources reconcile at $291,953.23 each. Not a Closing Disclosure.