Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$44,768Cash toward the purchase price.
Closing costs + prepaids$10,872Not just lender fees.
Before credits & paid funds$55,640The complete starting cash picture.
Estimated remaining funds due at closing
$55,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,767.75
Your down payment$44,767.75
Closing costs + prepaids$10,871.76
Total buyer cash needed$55,639.51
Remaining funds due$55,639.51
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%)$2,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,176.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$700.00
Initial HOA (3 months)$45.00
Prepaid interest, first (29 days)$932.61
Fees + prepaids$10,871.76
Your down payment is the seller’s equity. You take over the $235,231 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $55,639.51 is due at closing. Uses and sources reconcile at $290,870.76 each. Not a Closing Disclosure.