Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,698Cash toward the purchase price.
Closing costs + prepaids$12,574Not just lender fees.
Before credits & paid funds$41,271The complete starting cash picture.
Estimated remaining funds due at closing
$41,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,697.54
Your down payment$28,697.54
Closing costs + prepaids$12,573.54
Total buyer cash needed$41,271.08
Remaining funds due$41,271.08
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%)$2,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,291.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,735.50
Prepaid interest, first (30 days)$1,458.52
Fees + prepaids$12,573.54
Your down payment is the seller’s equity. You take over the $258,302 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $41,271.08 is due at closing. Uses and sources reconcile at $299,573.54 each. Not a Closing Disclosure.