Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$31,867Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$42,486The complete starting cash picture.
Estimated remaining funds due at closing
$42,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,867.28
Your down payment$31,867.28
Closing costs + prepaids$10,618.83
Total buyer cash needed$42,486.11
Remaining funds due$42,486.11
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%)$1,265.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$688.75
Prepaid interest, first (25 days)$597.92
Fees + prepaids$10,618.83
Your down payment is the seller’s equity. You take over the $253,033 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $42,486.11 is due at closing. Uses and sources reconcile at $295,518.83 each. Not a Closing Disclosure.