Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,313Cash toward the purchase price.
Closing costs + prepaids$10,999Not just lender fees.
Before credits & paid funds$43,312The complete starting cash picture.
Estimated remaining funds due at closing
$43,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,312.76
Your down payment$32,312.76
Closing costs + prepaids$10,998.83
Total buyer cash needed$43,311.59
Remaining funds due$43,311.59
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,237.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$511.25
Prepaid interest, first (28 days)$1,232.65
Fees + prepaids$10,998.83
Your down payment is the seller’s equity. You take over the $247,587 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $43,311.59 is due at closing. Uses and sources reconcile at $290,898.83 each. Not a Closing Disclosure.