Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,408Cash toward the purchase price.
Closing costs + prepaids$9,985Not just lender fees.
Before credits & paid funds$57,393The complete starting cash picture.
Estimated remaining funds due at closing
$57,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,407.84
Your down payment$47,407.84
Closing costs + prepaids$9,985.11
Total buyer cash needed$57,392.95
Remaining funds due$57,392.95
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%)$2,849.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,187.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$165.00
Prepaid interest, first (28 days)$564.89
Fees + prepaids$9,985.11
Your down payment is the seller’s equity. You take over the $237,542 balance, so the rest of the $284,950 price is paid at closing. A second mortgage can cover part of it. $57,392.95 is due at closing. Uses and sources reconcile at $294,935.11 each. Not a Closing Disclosure.