Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,608Cash toward the purchase price.
Closing costs + prepaids$11,254Not just lender fees.
Before credits & paid funds$38,862The complete starting cash picture.
Estimated remaining funds due at closing
$38,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,607.96
Your down payment$27,607.96
Closing costs + prepaids$11,253.64
Total buyer cash needed$38,861.60
Remaining funds due$38,861.60
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,286.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.75
Prepaid interest, first (26 days)$1,299.43
Fees + prepaids$11,253.64
Your down payment is the seller’s equity. You take over the $257,292 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $38,861.60 is due at closing. Uses and sources reconcile at $296,153.64 each. Not a Closing Disclosure.