Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,768Cash toward the purchase price.
Closing costs + prepaids$10,520Not just lender fees.
Before credits & paid funds$41,287The complete starting cash picture.
Estimated remaining funds due at closing
$41,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,767.73
Your down payment$30,767.73
Closing costs + prepaids$10,519.75
Total buyer cash needed$41,287.48
Remaining funds due$41,287.48
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,121.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.25
Prepaid interest, first (28 days)$1,190.34
Fees + prepaids$10,519.75
Your down payment is the seller’s equity. You take over the $224,232 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $41,287.48 is due at closing. Uses and sources reconcile at $265,519.75 each. Not a Closing Disclosure.