Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$39,589Cash toward the purchase price.
Closing costs + prepaids$10,975Not just lender fees.
Before credits & paid funds$50,565The complete starting cash picture.
Estimated remaining funds due at closing
$50,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,589.43
Your down payment$39,589.43
Closing costs + prepaids$10,975.36
Total buyer cash needed$50,564.79
Remaining funds due$50,564.79
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,276.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.75
Prepaid interest, first (24 days)$1,165.06
Fees + prepaids$10,975.36
Your down payment is the seller’s equity. You take over the $255,311 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $50,564.79 is due at closing. Uses and sources reconcile at $305,875.36 each. Not a Closing Disclosure.