Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$38,370Cash toward the purchase price.
Closing costs + prepaids$11,080Not just lender fees.
Before credits & paid funds$49,449The complete starting cash picture.
Estimated remaining funds due at closing
$49,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,369.83
Your down payment$38,369.83
Closing costs + prepaids$11,079.59
Total buyer cash needed$49,449.42
Remaining funds due$49,449.42
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%)$2,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,229.00
Prepaid interest, first (23 days)$886.94
Fees + prepaids$11,079.59
Your down payment is the seller’s equity. You take over the $224,130 balance, so the rest of the $262,500 price is paid at closing. A second mortgage can cover part of it. $49,449.42 is due at closing. Uses and sources reconcile at $273,579.59 each. Not a Closing Disclosure.