Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$31,781Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$44,430The complete starting cash picture.
Estimated remaining funds due at closing
$44,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,780.88
Your down payment$31,780.88
Closing costs + prepaids$12,648.79
Total buyer cash needed$44,429.66
Remaining funds due$44,429.66
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%)$2,749.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,215.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,142.00
Prepaid interest, first (29 days)$1,323.44
Fees + prepaids$12,648.79
Your down payment is the seller’s equity. You take over the $243,169 balance, so the rest of the $274,950 price is paid at closing. A second mortgage can cover part of it. $44,429.66 is due at closing. Uses and sources reconcile at $287,598.79 each. Not a Closing Disclosure.