Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,343Cash toward the purchase price.
Closing costs + prepaids$10,918Not just lender fees.
Before credits & paid funds$40,261The complete starting cash picture.
Estimated remaining funds due at closing
$40,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,343.47
Your down payment$29,343.47
Closing costs + prepaids$10,917.59
Total buyer cash needed$40,261.05
Remaining funds due$40,261.05
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,177.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.25
Initial HOA (3 months)$9.99
Prepaid interest, first (27 days)$1,200.56
Fees + prepaids$10,917.59
Your down payment is the seller’s equity. You take over the $235,557 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $40,261.05 is due at closing. Uses and sources reconcile at $275,817.59 each. Not a Closing Disclosure.