Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,073Cash toward the purchase price.
Closing costs + prepaids$9,688Not just lender fees.
Before credits & paid funds$48,761The complete starting cash picture.
Estimated remaining funds due at closing
$48,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,073.45
Your down payment$39,073.45
Closing costs + prepaids$9,687.80
Total buyer cash needed$48,761.25
Remaining funds due$48,761.25
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,229.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$304.25
Prepaid interest, first (2 days)$87.42
Fees + prepaids$9,687.80
Your down payment is the seller’s equity. You take over the $245,827 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $48,761.25 is due at closing. Uses and sources reconcile at $294,587.80 each. Not a Closing Disclosure.