Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$37,952Cash toward the purchase price.
Closing costs + prepaids$10,579Not just lender fees.
Before credits & paid funds$48,531The complete starting cash picture.
Estimated remaining funds due at closing
$48,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,951.83
Your down payment$37,951.83
Closing costs + prepaids$10,578.78
Total buyer cash needed$48,530.60
Remaining funds due$48,530.60
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,185.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$448.25
Prepaid interest, first (24 days)$977.29
Fees + prepaids$10,578.78
Your down payment is the seller’s equity. You take over the $237,048 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $48,530.60 is due at closing. Uses and sources reconcile at $285,578.78 each. Not a Closing Disclosure.