Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,091Cash toward the purchase price.
Closing costs + prepaids$9,824Not just lender fees.
Before credits & paid funds$61,915The complete starting cash picture.
Estimated remaining funds due at closing
$61,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,091.19
Your down payment$52,091.19
Closing costs + prepaids$9,824.18
Total buyer cash needed$61,915.37
Remaining funds due$61,915.37
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%)$1,164.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$505.75
Prepaid interest, first (2 days)$85.89
Fees + prepaids$9,824.18
Your down payment is the seller’s equity. You take over the $232,909 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $61,915.37 is due at closing. Uses and sources reconcile at $294,824.18 each. Not a Closing Disclosure.