Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,989Cash toward the purchase price.
Closing costs + prepaids$10,723Not just lender fees.
Before credits & paid funds$38,712The complete starting cash picture.
Estimated remaining funds due at closing
$38,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,989.46
Your down payment$27,989.46
Closing costs + prepaids$10,722.86
Total buyer cash needed$38,712.32
Remaining funds due$38,712.32
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Prepaid interest, first (27 days)$903.06
Fees + prepaids$10,722.86
Your down payment is the seller’s equity. You take over the $257,011 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $38,712.32 is due at closing. Uses and sources reconcile at $295,722.86 each. Not a Closing Disclosure.