Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$45,345Cash toward the purchase price.
Closing costs + prepaids$12,083Not just lender fees.
Before credits & paid funds$57,428The complete starting cash picture.
Estimated remaining funds due at closing
$57,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,345.17
Your down payment$45,345.17
Closing costs + prepaids$12,082.58
Total buyer cash needed$57,427.75
Remaining funds due$57,427.75
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$799.75
Initial HOA (3 months)$882.00
Prepaid interest, first (29 days)$1,284.56
Fees + prepaids$12,082.58
Your down payment is the seller’s equity. You take over the $229,655 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $57,427.75 is due at closing. Uses and sources reconcile at $287,082.58 each. Not a Closing Disclosure.