Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,825Cash toward the purchase price.
Closing costs + prepaids$10,388Not just lender fees.
Before credits & paid funds$49,212The complete starting cash picture.
Estimated remaining funds due at closing
$49,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,824.50
Your down payment$38,824.50
Closing costs + prepaids$10,387.88
Total buyer cash needed$49,212.38
Remaining funds due$49,212.38
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%)$2,799.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,205.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.25
Prepaid interest, first (28 days)$658.50
Fees + prepaids$10,387.88
Your down payment is the seller’s equity. You take over the $241,125 balance, so the rest of the $279,950 price is paid at closing. A second mortgage can cover part of it. $49,212.38 is due at closing. Uses and sources reconcile at $290,337.88 each. Not a Closing Disclosure.