Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,227Cash toward the purchase price.
Closing costs + prepaids$11,757Not just lender fees.
Before credits & paid funds$43,984The complete starting cash picture.
Estimated remaining funds due at closing
$43,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,226.85
Your down payment$32,226.85
Closing costs + prepaids$11,756.65
Total buyer cash needed$43,983.51
Remaining funds due$43,983.51
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%)$2,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,238.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,283.75
Prepaid interest, first (26 days)$1,216.05
Fees + prepaids$11,756.65
Your down payment is the seller’s equity. You take over the $247,772 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $43,983.51 is due at closing. Uses and sources reconcile at $291,755.65 each. Not a Closing Disclosure.