Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,423Cash toward the purchase price.
Closing costs + prepaids$10,634Not just lender fees.
Before credits & paid funds$63,057The complete starting cash picture.
Estimated remaining funds due at closing
$63,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,422.78
Your down payment$52,422.78
Closing costs + prepaids$10,634.49
Total buyer cash needed$63,057.27
Remaining funds due$63,057.27
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,137.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$373.75
Prepaid interest, first (28 days)$1,106.35
Fees + prepaids$10,634.49
Your down payment is the seller’s equity. You take over the $227,477 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $63,057.27 is due at closing. Uses and sources reconcile at $290,534.49 each. Not a Closing Disclosure.