Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,710Cash toward the purchase price.
Closing costs + prepaids$11,392Not just lender fees.
Before credits & paid funds$42,103The complete starting cash picture.
Estimated remaining funds due at closing
$42,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,710.08
Your down payment$30,710.08
Closing costs + prepaids$11,392.49
Total buyer cash needed$42,102.57
Remaining funds due$42,102.57
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%)$2,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,236.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$896.25
Prepaid interest, first (24 days)$1,261.79
Fees + prepaids$11,392.49
Your down payment is the seller’s equity. You take over the $247,290 balance, so the rest of the $278,000 price is paid at closing. A second mortgage can cover part of it. $42,102.57 is due at closing. Uses and sources reconcile at $289,392.49 each. Not a Closing Disclosure.