Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,929Cash toward the purchase price.
Closing costs + prepaids$11,183Not just lender fees.
Before credits & paid funds$55,113The complete starting cash picture.
Estimated remaining funds due at closing
$55,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,929.39
Your down payment$43,929.39
Closing costs + prepaids$11,183.34
Total buyer cash needed$55,112.73
Remaining funds due$55,112.73
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,154.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,007.50
Prepaid interest, first (24 days)$1,053.99
Fees + prepaids$11,183.34
Your down payment is the seller’s equity. You take over the $230,971 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $55,112.73 is due at closing. Uses and sources reconcile at $286,083.34 each. Not a Closing Disclosure.