Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$49,145Cash toward the purchase price.
Closing costs + prepaids$11,226Not just lender fees.
Before credits & paid funds$60,371The complete starting cash picture.
Estimated remaining funds due at closing
$60,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,145.50
Your down payment$49,145.50
Closing costs + prepaids$11,225.92
Total buyer cash needed$60,371.42
Remaining funds due$60,371.42
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%)$2,799.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,154.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,094.50
Prepaid interest, first (23 days)$959.89
Fees + prepaids$11,225.92
Your down payment is the seller’s equity. You take over the $230,805 balance, so the rest of the $279,950 price is paid at closing. A second mortgage can cover part of it. $60,371.42 is due at closing. Uses and sources reconcile at $291,175.92 each. Not a Closing Disclosure.