Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,408Cash toward the purchase price.
Closing costs + prepaids$10,624Not just lender fees.
Before credits & paid funds$46,033The complete starting cash picture.
Estimated remaining funds due at closing
$46,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,408.42
Your down payment$35,408.42
Closing costs + prepaids$10,624.15
Total buyer cash needed$46,032.57
Remaining funds due$46,032.57
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,222.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$214.25
Prepaid interest, first (28 days)$1,168.95
Fees + prepaids$10,624.15
Your down payment is the seller’s equity. You take over the $244,592 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $46,032.57 is due at closing. Uses and sources reconcile at $290,624.15 each. Not a Closing Disclosure.