Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$34,857Cash toward the purchase price.
Closing costs + prepaids$11,005Not just lender fees.
Before credits & paid funds$45,862The complete starting cash picture.
Estimated remaining funds due at closing
$45,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,856.90
Your down payment$34,856.90
Closing costs + prepaids$11,004.72
Total buyer cash needed$45,861.63
Remaining funds due$45,861.63
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,220.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,180.50
Prepaid interest, first (29 days)$595.51
Fees + prepaids$11,004.72
Your down payment is the seller’s equity. You take over the $244,143 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $45,861.63 is due at closing. Uses and sources reconcile at $290,004.72 each. Not a Closing Disclosure.