Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,497Cash toward the purchase price.
Closing costs + prepaids$10,806Not just lender fees.
Before credits & paid funds$36,303The complete starting cash picture.
Estimated remaining funds due at closing
$36,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,497.27
Your down payment$25,497.27
Closing costs + prepaids$10,805.96
Total buyer cash needed$36,303.23
Remaining funds due$36,303.23
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%)$1,247.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$307.25
Prepaid interest, first (26 days)$1,283.20
Fees + prepaids$10,805.96
Your down payment is the seller’s equity. You take over the $249,503 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $36,303.23 is due at closing. Uses and sources reconcile at $285,805.96 each. Not a Closing Disclosure.