Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,806Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$52,401The complete starting cash picture.
Estimated remaining funds due at closing
$52,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,806.00
Your down payment$40,806.00
Closing costs + prepaids$11,595.04
Total buyer cash needed$52,401.04
Remaining funds due$52,401.04
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,804.50
Prepaid interest, first (25 days)$801.57
Fees + prepaids$11,595.04
Your down payment is the seller’s equity. You take over the $224,194 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $52,401.04 is due at closing. Uses and sources reconcile at $276,595.04 each. Not a Closing Disclosure.