Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,096Cash toward the purchase price.
Closing costs + prepaids$10,233Not just lender fees.
Before credits & paid funds$48,328The complete starting cash picture.
Estimated remaining funds due at closing
$48,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,095.83
Your down payment$38,095.83
Closing costs + prepaids$10,232.63
Total buyer cash needed$48,328.46
Remaining funds due$48,328.46
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%)$2,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,122.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,229.00
Prepaid interest, first (1 days)$38.61
Fees + prepaids$10,232.63
Your down payment is the seller’s equity. You take over the $224,404 balance, so the rest of the $262,500 price is paid at closing. A second mortgage can cover part of it. $48,328.46 is due at closing. Uses and sources reconcile at $272,732.63 each. Not a Closing Disclosure.