Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$18,707Cash toward the purchase price.
Closing costs + prepaids$12,772Not just lender fees.
Before credits & paid funds$31,479The complete starting cash picture.
Estimated remaining funds due at closing
$31,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,707.35
Your down payment$18,707.35
Closing costs + prepaids$12,771.64
Total buyer cash needed$31,478.99
Remaining funds due$31,478.99
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%)$2,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,281.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,221.00
Prepaid interest, first (29 days)$1,301.19
Fees + prepaids$12,771.64
Your down payment is the seller’s equity. You take over the $256,292 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $31,478.99 is due at closing. Uses and sources reconcile at $287,770.64 each. Not a Closing Disclosure.