Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,404Cash toward the purchase price.
Closing costs + prepaids$10,862Not just lender fees.
Before credits & paid funds$38,266The complete starting cash picture.
Estimated remaining funds due at closing
$38,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,404.09
Your down payment$27,404.09
Closing costs + prepaids$10,862.16
Total buyer cash needed$38,266.26
Remaining funds due$38,266.26
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%)$1,237.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.75
Prepaid interest, first (29 days)$1,233.43
Fees + prepaids$10,862.16
Your down payment is the seller’s equity. You take over the $247,596 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $38,266.26 is due at closing. Uses and sources reconcile at $285,862.16 each. Not a Closing Disclosure.