Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,222Cash toward the purchase price.
Closing costs + prepaids$11,089Not just lender fees.
Before credits & paid funds$44,311The complete starting cash picture.
Estimated remaining funds due at closing
$44,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,222.29
Your down payment$33,222.29
Closing costs + prepaids$11,088.64
Total buyer cash needed$44,310.93
Remaining funds due$44,310.93
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,173.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$707.00
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$1,078.76
Fees + prepaids$11,088.64
Your down payment is the seller’s equity. You take over the $234,778 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $44,310.93 is due at closing. Uses and sources reconcile at $279,088.64 each. Not a Closing Disclosure.