Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$31,896Cash toward the purchase price.
Closing costs + prepaids$10,283Not just lender fees.
Before credits & paid funds$42,179The complete starting cash picture.
Estimated remaining funds due at closing
$42,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,896.38
Your down payment$31,896.38
Closing costs + prepaids$10,282.53
Total buyer cash needed$42,178.91
Remaining funds due$42,178.91
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,165.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.75
Prepaid interest, first (25 days)$814.27
Fees + prepaids$10,282.53
Your down payment is the seller’s equity. You take over the $233,104 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $42,178.91 is due at closing. Uses and sources reconcile at $275,282.53 each. Not a Closing Disclosure.