Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,460Cash toward the purchase price.
Closing costs + prepaids$11,528Not just lender fees.
Before credits & paid funds$49,987The complete starting cash picture.
Estimated remaining funds due at closing
$49,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,459.56
Your down payment$38,459.56
Closing costs + prepaids$11,527.85
Total buyer cash needed$49,987.41
Remaining funds due$49,987.41
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,147.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,587.00
Prepaid interest, first (22 days)$895.14
Fees + prepaids$11,527.85
Your down payment is the seller’s equity. You take over the $229,540 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $49,987.41 is due at closing. Uses and sources reconcile at $279,527.85 each. Not a Closing Disclosure.