Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,742Cash toward the purchase price.
Closing costs + prepaids$10,783Not just lender fees.
Before credits & paid funds$42,526The complete starting cash picture.
Estimated remaining funds due at closing
$42,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,742.47
Your down payment$31,742.47
Closing costs + prepaids$10,783.48
Total buyer cash needed$42,525.96
Remaining funds due$42,525.96
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%)$1,236.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.00
Prepaid interest, first (31 days)$1,390.20
Fees + prepaids$10,783.48
Your down payment is the seller’s equity. You take over the $247,258 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $42,525.96 is due at closing. Uses and sources reconcile at $289,783.48 each. Not a Closing Disclosure.