Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,148Cash toward the purchase price.
Closing costs + prepaids$12,027Not just lender fees.
Before credits & paid funds$42,175The complete starting cash picture.
Estimated remaining funds due at closing
$42,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,147.73
Your down payment$30,147.73
Closing costs + prepaids$12,027.12
Total buyer cash needed$42,174.86
Remaining funds due$42,174.86
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,244.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,274.25
Prepaid interest, first (31 days)$1,500.61
Fees + prepaids$12,027.12
Your down payment is the seller’s equity. You take over the $248,852 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $42,174.86 is due at closing. Uses and sources reconcile at $291,027.12 each. Not a Closing Disclosure.