Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,648Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$35,703The complete starting cash picture.
Estimated remaining funds due at closing
$35,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,648.18
Your down payment$24,648.18
Closing costs + prepaids$11,054.72
Total buyer cash needed$35,702.90
Remaining funds due$35,702.90
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%)$2,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,266.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.00
Prepaid interest, first (25 days)$1,094.97
Fees + prepaids$11,054.72
Your down payment is the seller’s equity. You take over the $253,352 balance, so the rest of the $278,000 price is paid at closing. A second mortgage can cover part of it. $35,702.90 is due at closing. Uses and sources reconcile at $289,054.72 each. Not a Closing Disclosure.